SCM Investment Services

Main Street Values, Wall Street Expertise

What We Do

What We Do

Professional Insights — Fiduciary Advice

Professional Insights — Fiduciary Advice

SCM services and fees are designed to be able to help not only the financially secure but also those who are just getting started. Your finances shouldn’t limit your access to knowledgeable, fiduciary advice.


Private Wealth Management


based
on AUM
*see below

  • Investment management
  • Financial planning
  • Tax planning
  • Behavioral coaching
  • Financial health monitoring
  • Elements® platform
  • One page financial plan
  • Quarterly Performance Reports
  • Two meetings per year
  • Here when you need me


Free Consultation

NWI WealthCare


  • Financial health monitoring
  • *Special Introductory Pricing
  • Resources to help you organize
    and maximize your financial life
  • Elements® platform
  • Monthly asynchronous webinars
  • Quarterly Performance Reports
  • No specific or custom advice given
  • If you need personalized help, access to 1:1 advisor sessions
    ($350 $150 and up).


Learn More at
NWI WealthCare

Advisor
Coaching


$350
and up

  • Fee is flat or hourly and depends on the complexity of the project.
  • Total cost will be explained and agreed upon in advance.

Free Consultation

Private Wealth Fees and Service Calendar


The fee for ongoing wealth management is based on the percent of assets under management (AUM).

  • 1.00% for first $500k
  • 0.85% for next $500k
  • 0.70% for next $1M
  • 0.55% for next $3M
  • 0.40% for next $5M
  • 0.25% above $10M
The minimum annual fee for Private Wealth services is $1,000. At the same time, one of my explicit goals is to minimize your financial advisory services. If the minimum fee is unreasonable based on your total investible assets, I will recommend the Financial Health Monitoring service or a limited engagement through Advisor Coaching.

Although the fees are non-negotiable, I offer discounts and pro-bono advisory services.

Winter Season



Tax Summary Letter


Employer Benefits


RMD/QCD Management


Roth Conversions


Retirement Contributions

Spring Season



Tax Return Analysis & Review


One Page Financial Plan Updates


Spring
Review
Meetings


Risk
Profile
Updates


Beneficiary Summary & Review

Summer Season



Tax Return Analysis & Review


Roth Conversion Analysis


Insurance (Medicare, Life, LTC)


Estate Plan Review / Wills and Trusts

Fall Season



Tax Return Analysis and Review


End-of-Year Tax Planning Opportunities


Fall
Review
Meetings


Roth Conversion Review


Retirement Distribution Analysis
Are There Other Fees?

I choose partners based on the best interest of clients. These partners may charge fees in addition to the SCM Investment Services fees. For example, a custodian may charge a transaction fee for buying a fund and a legal partner may charge a fee for estate planning. I never share in these fees.

SCM only gets paid by you, my clients. I don’t get any kickbacks or a cut of any partner’s fees. The SCM fees defined above are the only way that I get paid. Being independent allows me to choose best-in-class funds and best-in-class service partners.

Custodial Fees

I recommend TD Ameritrade Institutional, Betterment for Advisors, or Altruist for custody of your investments. However, clients may request custody of their assets at any custodian.

Mutual Fund Fees

I use mutual funds and ETFs from best-in-class fund managers like Vanguard and Dimensional. Vanguard and Dimensional do not charge load, sales, redemption, or 12b-1 fees. Their expense ratios are also among the lowest in the industry*.

*Morningstar Category Average

Sources: see Appendix.