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Before we get into our low pricing for our inexpensive, ethical, honest, fee-only fiduciary financial advisory, please review the table below that compares us to typical advisors.

EmancipareOthers
No minimum investment amount$100,000 to $500,000 minimum
Fee-only, fiduciaryCommissions? Loads?
$299 investing plan$1,950 investing plan
$499 retirement plan$2,250 retirement plan
$699 comprehensive financial plan$2,500 comprehensive financial plan
.04% to .5% asset management fee1% to 1.5% asset management fee
$99 hourly fee$250+ hourly fee
Simple, understandable, passive investingComplex investing, many funds
Education as a priorityNo client education
Few clients, quick responseLarge client rosters
Simple, flat-rate asset management feesTiered, expensive asset management fees
Awesome client portal/custodian (click the link!)Stodgy, expensive, old-school client portal/custodian
Sources: Kitces Fee Trends, Kitces Report 2021

Investment Plan

$299

This one-time offering entails working together to assess your risk tolerance, time horizon, and income needs. We then work together to design and agree on an investment plan that allows you to sleep well at night. The fee is due at engagement.

  • Risk Tolerance
  • Asset Allocation/Location
  • Time Horizon
  • Income Needs
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Retirement Plan

$499

This one-time offering entails an examination of your current financial state, as well as your retirement goals. We work together to examine Social Security and health care strategies, sources of income, tax strategies, investment/distribution strategies, and produce a detailed plan to reach your goals. This service is designed for people who may be approaching or currently in retirement, including those who wish to retire at an early age. This offering encompasses the Emancipare Investment Plan described above. The fee is due at engagement.

  • Safe Nest Egg Withdrawals

  • Social Security

  • Health Care/Medicare

  • Pensions/Annuities

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Comprehensive Financial Plan

$699

This one-time offering entails an examination of your current financial picture. It includes strategies to eliminate debt, prepare for higher/vocational education expenses, a new home, retirement, and other financial goals. This offering encompasses the Emancipare Retirement plan noted above. The one-time fee is due at engagement.

  • Debt Payoff
  • College Planning
  • Next Home
  • Retirement
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Investment Management

% of portfolio

We provide clients with ongoing management of their investment portfolios, but you’re always in charge. We maintain constant vigilance of changing market conditions, as well as your individual timeline for your goals. When we feel a change would be strategic, we’ll give you our rationale and wait for your consent before making any changes. The fee for this service is a percentage of the total assets managed by us, per the below table. It is paid to us on a quarterly basis, out of your investment accounts directly.

Assets Under ManagementAnnualized Asset-Based Fee
$0 – $4,999,9990.5% (50 basis points)
$5,000,000 – $9,999,9990.25% (25 basis points)
$10,000,000 – $19,000,0000.13% (13 basis points)
$20,000,000 – $29,000,0000.06% (6 basis points)
$30,000,000 – $39,000,0000.03% (3 basis points)
$40,000,000 – Above0.02% (2 basis points)

Example: A portfolio under our management at our custodian maintaining $1,000,000 as of the quarter’s end will be assessed $1,250 due after the previous quarter (quarterly, in arrears). Formula: ($1,000,000 x 50 bps) = $5,000 / 4 = $1,250.

  • Constant Vigilance

  • Strategic Adjustments

  • Tax Strategies

  • Low Fees

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Debt Remediation

Debt is a drag on your future, your children’s future, and your family’s personal finance goals. We feel it should be a priority. Our affiliated partner, Money Coach Group, Inc (which has the same ownership as Emancipare) specializes in customized, fast, ethical, inexpensive debt remediation strategies. Consider their Personal Finance Journey to change your life. Use the button below to set up a free consultation. In the meantime, we at Emancipare can evaluate and manage your existing investments in retirement accounts, 529 plans, and brokerages to ensure they’re working for you in the background.

  • Credit Card Debt
  • Collections

  • Payoff Strategies

  • Student Loans/Mortgages

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General Advice

$99/hr

Do you have any personal finance topics not covered above? Use the button below for a free consultation to discuss how we can help. We’ll provide an estimate of the hours required, and we’re generous with our time. More than anything else, we want you to succeed.

  • Insurances/Risk Management

  • Employee Benefits Review

  • Education Planning

  • Tax Planning Strategies

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Classes/Workshops/Education

We offer a variety of online and in-person educational workshops to private parties, groups, and employers. These can be taught in-person or virtually, and allow for personalized advice and Q&A sessions following the content. Individuals or couples can click the links below on each class to schedule now! Groups or employers please click the Book a Call Now button to schedule and quote a price.

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