Fee structure
Fee-only means exactly that. Here is every number.
We are compensated in one way: a transparent, tiered percentage of the assets we manage, billed directly to you. No commissions, no product revenue, no surprises buried in a prospectus.
Advisory fee schedule
Tiered and blended — your effective rate declines as your relationship grows.
| Assets under management | Annual rate |
|---|---|
| First $1 million | 1.00% |
| Next $2 million ($1M – $3M) | 0.85% |
| Next $2 million ($3M – $5M) | 0.70% |
| Next $5 million ($5M – $10M) | 0.55% |
| Assets above $10 million | 0.40% |
Not ready for ongoing?
Standalone Financial Plan
A one-time, flat-fee comprehensive plan for those not yet ready for ongoing management. The fee is credited toward your first year if you later engage us for investment management.
Request a planHow our fees work
- Fees are tiered and blended: each portion of your assets is billed at the rate for its tier, so your effective rate declines as your relationship grows.
- Advisory fees are billed quarterly in arrears and calculated on the average daily balance of managed assets.
- A relationship minimum of $500,000 applies, subject to a $5,000 annual minimum fee.
- Comprehensive financial planning is included for ongoing advisory clients at no additional charge.
The fees shown are standard schedules and may be negotiated in limited circumstances. Underlying funds and ETFs carry their own internal expense ratios, which are separate from and additional to Calderwood’s advisory fee. Full details are available in our Form ADV Part 2A.