Your initial consultation is always free. If you and Sergio decide to work together after your initial consultation, the following are the ways Sergio may be compensated.

Ongoing Advisory Relationship 

If after your initial consultation you require assistance in managing your investment portfolio to generate income, preserve assets, or grow your assets then you may benefit from an ongoing advisory relationship. This option may be best for someone who prefers to have a CERTIFIED FINANCIAL PLANNER™ professional on retainer for assistance with other financial issues as well, such as estate planning, Medicare planning, Social Security Planning, Pension Planning, etc. The following are the fees associated with the management of your wealth:

Annual Advisory Fee Schedule based on Assets Under Management:

$200,000 - $749,999 = 1.25% 

$750,000 - $1,249,999 = 1.20% 

$1,250,00 - $4,999,999 = 1.18% 

$5,000,000 - $24,999,999 = 1.13%

$25,000,000 + = 1.08%

One-time financial planning consultation 

If you prefer to simply have a one-time one-on-one consultation with a CERTIFIED FINANCIAL PLANNER™ professional to get into the details of your financial questions and/or concerns, then a one-time financial consultation may be appropriate. This option is good for someone who is needing a second pair of eyes to review financial issues such as, employee benefit selection (health insurance, disability insurance, life insurance, etc.). You may also want to know if you are on track for your retirement, saving for your child’s education, do you have the appropriate estate plan documents based on your family situation, debt pay off plan, etc. It will be your responsibility to act upon the advice given after the consultation is complete.

This consultation last up to one hour and the cost is $250. If the consultation lasts less than one hour, the same fee still applies.

Transactional (Commission Based)

If you are simply interested in buying a financial instrument with the help of a financial professional that best suits your needs, this may be a good option. Sergio will help you find an appropriate investment or insurance product that meets your needs and he will be compensated one time for the purchase of that product without you having to incur an ongoing fee. This option may be best for someone who only needs help establishing an investment plan and/or insurance policy and does not require an ongoing relationship with a financial professional.