What you’ll get. What it costs. No fine print.
Comprehensive financial planning and investment management from a fiduciary advisor — with every fee published before you ever pick up the phone.
More than a portfolio — a plan
You don’t just need someone to pick investments. You need someone to tell you whether you can actually afford the house, whether your 401(k) is on track, and what happens to your family if something happens to you. That’s what comprehensive financial planning does — it connects every piece of your financial life so one decision doesn’t accidentally undermine another. Starting at $50–$400/month (depending on complexity).
Investments built around your goals
Your portfolio should reflect what you’re trying to do with your life — not a model pulled off a shelf. We manage your investments through Charles Schwab using a flat breakpoint fee structure, which means your entire portfolio is charged at one rate based on total value. As your assets grow, your rate goes down. 1.00%–0.70% annually.
Retirement planning that runs the numbers
“When can I retire?” isn’t a feeling — it’s a math problem. We run your plan through hundreds of market scenarios, model Social Security timing, evaluate Roth conversion opportunities, and project required minimum distributions so you’re making decisions based on data, not hope. Included in your financial planning engagement.
Coverage coordinated with everything else
Insurance shouldn’t live in a silo. We review your life, disability, and long-term care coverage as part of your overall financial plan — so you’re protected without overpaying, and every policy connects back to the bigger picture. Insurance services are offered through Petrarch Insurance Services, LLC, a separate affiliated entity. Insurance products may involve commissions. Licensed in IL, CA, and MN.
Transparent pricing — because you shouldn’t have to wonder
Most advisors won’t tell you what they charge until you’re sitting across the table. We think that’s backwards. Here’s our full fee schedule — the same numbers filed with state regulators.
Investment Advisory Fees (Flat Breakpoint)
| Portfolio Size | Annual Rate |
|---|---|
| Up to $999,999 | 1.00% |
| $1,000,000 – $2,500,000 | 0.90% |
| $2,500,001 – $5,000,000 | 0.80% |
| Over $5,000,000 | 0.70% |
“Flat breakpoint” means your entire portfolio is charged at one rate based on the total value — not different rates on different slices. So if your portfolio is $1.2 million, every dollar is at 0.90%. Simpler. And it means as your portfolio grows, you cross into a lower rate.
We bill monthly. Petrarch LLC does not receive commissions on investment advisory services.
Financial Planning Fees
Comprehensive planning: $50–$400/month (depending on complexity)
Project-based: $250/hour (50% due in advance)
Lower fees for comparable services may be available from other investment advisers. The client is under no obligation to act upon the investment advisor’s recommendations.
Growing your business and wondering if it’s time to set up a retirement plan? Whether it’s a 401(k), SEP IRA, or SIMPLE IRA, the right plan can help you put more away for your own retirement, reduce your tax bill, and build a compensation package that attracts the kind of people you actually want to keep. We help business owners evaluate their options and serve as a fiduciary advisor to the plan itself — so your employees get real oversight, not a set-it-and-forget-it account.
You’ve seen the numbers. Want to talk about yours?
Thirty minutes to find out if we’re the right fit.