Why pay a fee?

Why should I pay for someone to manage my investments?

Table of contents

SEM Investment Management Fee

  • Max fee: 1.125%
  • Daily and monthly monitoring of your portfolio
  • Access to lower cost investment options
  • Proprietary Portfolios that play Offense and Defense
  • Portfolio diversification
  • Working with advisor to create a risk efficient investment portfolio
  • Frequent communication with your advisor
  • Protection of downside market risk
  • Economic & Investment Information via Quarterly Newsletter
  • Handling of contributions, withdrawals and distributions
  • Create Investment Policy Statement for the client & advisor

Financial Advisor Fee

NOTE: some advisors may charge flat rates for some of these services or may not offer all of them

  • Max fee: 1.125%

1. Initial Development of your customized plan

  • Savings & Budget Goals
  • Taxes & Estate planning
  • Retirement Income Planning
  • Determine Investment Objectives, Risk Tolerance, & time horizon

2. Implementation of Plan

  • Tax Management
  • Select Investment Solutions
  • Monitoring / Reviewing all of the above periodically
  • Behavior modification (help avoid emotional decisions)

3. Other customized services

  • Retirement transitioning
  • Social Security/Medicare/Pension assistance
  • Insurance protection planning

Custodian (Axos) Fee

  • Max fee: 0.12% (historically this has averaged less than 0.10%/yr.)
  • Access to over 8000 mutual funds & ETFs that SEM can choose from without any transaction fees
  • Unlimited trading
  • Real-time internet access to account information
  • Tax Reporting (1099s, 5498, Cost Basis, 8949) with electronic downloads of data for CPA
  • Quarterly custodian statement either paper or electronic
  • Required Minimum Distribution Calculations for Clients over the age of 70.5
  • ACH Withdrawals and Check processing

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