Fee-Based Advisory Services
We offer a range of options to work with us, customized to fit your unique needs, goals, and life stages
Transparent Fee Structure
Investment Management
Investment Management
+ Financial Planning
Clients who choose Stalt Financial for asset management receive fiduciary Investment Advisory Services, including portfolio management, and asset allocation tailored to their objectives and risk tolerance.
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401(k), 403(b), 457(b) Rollovers
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IRAs - Traditional, Roth
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Brokerage Accounts- Individual, Joint, Trust, UGMA/UTMA
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Roth Conversions
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Tax-Managed Accounts
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Trust Accounts
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SEP IRA, Simple IRA
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Buffered ETF Strategies
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IA Compensation
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Fees are charged monthly and typically deducted from your managed portfolio.
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The schedule below reflects Stalt Financial’s compensation only; additional fees may apply based on portfolio selection. All management fees will be disclosed before transfer.
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Stalt Financial does not charge fees based on capital gains or appreciation.
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See below for the Tiered Fee Schedule.
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Financial Planning
Comprehensive Planning
Services
Stalt's planning services provide personalized, goal-based strategies that integrate asset management, retirement planning, tax optimization, and wealth preservation, helping your plan align with both short-term needs and long-term objectives
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Present Position Review
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Goal & Objective Assessment
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Financial Risk Assessment: Liability, Longevity, Long Term Care, Loss of Life, Legacy, Long-Term Disability
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Investment Collaboration
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Recommended Action Plan
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Implementation
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Ongoing Review & Monitoring
FP Compensation
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All prospective financial planning clients receive a Scope of Work Proposal before engaging our services. This outlines services, fees, and timelines, ensuring a structured yet flexible approach tailored to your financial needs while maintaining alignment, accountability, and compliance.
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Clients may qualify for reduced or waived fees based on eligibility.
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See below for the Planning Fee Schedule.​
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Insurance
Risk Management &Wealth Preservation
We integrate insurance planning into our comprehensive financial strategies to help protect your wealth, business, and family from unforeseen events. Our services include guidance and placement of tools to mitigate the risks that may derail your financial plan.
We take a fiduciary-first approach, providing recommendations that align with your overall financial plan, rather than focusing on product sales.
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Life Insurance - Whole, Universal, Term, Variable
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Disability Insurance
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Long Term Care Insurance
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Annuities
Commission Disclosure
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As fee-based advisors, we may receive compensation for insurance products placed by our planners, but we are not captive agents to any specific company.
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Stalt Financial, LLC always acts in the client’s best interest, including when recommending commissionable products.
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Clients are not obligated to use our insurance services, and no out-of-pocket fees are paid to Stalt Financial for insurance product placement.
A detailed breakdown of all applicable fees will be provided in our Advisory Agreement and Form ADV Part 2A
Advisory Fee Schedule
Assets Under Management | Stalt Annual Fee |
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$1 - $250,000 | 0.85% |
$250,001 - $500,000 | 0.80% |
$500,001 - $1,000,000 | 0.75% |
$1,000,001 - $2,000,000 | 0.70% |
$2,000,001 - $5,000,000 | 0.60% |
$5,000,001- $10,000,000 | 0.50% |
$10,000,001 and up | 0.40% |
Planning Fee Schedule
Planning Fees
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Fee Assessment: Financial planning fees vary based on complexity and net worth. Fees are assessed individually to ensure fair and appropriate pricing.
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Eligibility for Reduced or Waived Fees​​​: Clients with assets managed by Stalt Financial inherently compensate us for comprehensive advisory services, including financial planning. Fees may be reduced or waived based on planning complexity and assets under management (AUM).
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Scope of Work: Financial planning fees are based on the Scope of Work Proposal and complexity of your needs. All fees are communicated before services are rendered to ensure transparency.
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Paying a fee for management provides access to professional expertise, which can help identify opportunities for growth, create strategies for maximizing retirement income, and develop tax-conscious approaches to help manage potential tax burdens that seek to erode your wealth. A financial professional can provide an objective for those who tend to make emotional decisions about their money.
Just as you pay an attorney to navigate legal matters, working with a fiduciary advisor like Stalt Financial provides the benefit of specialized knowledge and guidance, aiming to help you make informed financial decisions. While we cannot guarantee outcomes, an experienced advisor may help you avoid unnecessary fees and guide you toward strategies that align with your financial goals.
The real question is, Can you afford not to have an advisor? With a professional handling your financial strategy, you can focus on what matters most—enjoying life, knowing your financial future is in experienced hands.
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As fiduciary financial advisors, we are bound by a legal and ethical obligation to act in your best interests. This means providing advice that is solely focused on your goals, free from outside incentives. A key part of our fiduciary duty is transparency—when it comes to fees, we make sure you know exactly what you’re paying upfront, with no hidden costs. Being a fiduciary is about trust, accountability, and keeping your financial well-being as the priority.
To become a fiduciary financial advisor, professionals must pass specific licensing exams, such as the Series 65 or Series 66, which qualifies them as Registered Investment Advisors (RIAs). As RIAs, they are legally required to uphold fiduciary standards, meaning they must act in their clients’ best interests. Advisors are also required to register with either the Securities and Exchange Commission (SEC) or state regulators, depending on the size of their firm. These requirements ensure fiduciary advisors provide transparent, conflict-aware advice, focused on helping you achieve your financial goals.
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Fee-based advisors or planners charge a combination of fees—either as a percentage of AUM (assets under management), a flat fee, or hourly fee—while also earning commissions on certain products like insurance or investments. This hybrid model may appeal to clients who want both ongoing financial planning and access to specific financial products. While earning commissions can present potential conflicts of interest, many fee-based advisors also serve as fiduciaries, meaning they are required to act in your best interest when providing advice.
Other common advisor compensation structures include:
Fee-Only Advisors Fee-only advisors are compensated directly by clients through flat fees, hourly rates, or a percentage of assets managed. They do not earn commissions, which can help provide advice that is more focused on your financial goals. However, fee-only advisors may not always offer access to certain products, such as insurance, which can be important for comprehensive planning.
Commissioned Agents or Advisors Commission-based advisors earn their income through commissions on the financial products they sell, such as insurance policies, mutual funds, or annuities. These advisors may specialize in certain products, offering valuable solutions for specific needs. However, since their compensation is tied to product sales, it’s important to ensure that the recommendations align with your financial interests. Commission-based advisors are typically not held to the same fiduciary standard, so understanding how they are compensated is crucial.
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We’ve chosen to organize ourselves as fee-based planners because it enables us to offer truly comprehensive, full-service financial planning. As fee-based planners, we provide not only investment advice but also incorporate risk management strategies, including insurance-based products. To create a holistic financial plan, we believe it's essential to address both wealth-building and risk mitigation, with insurance playing a key role in the latter. Our expertise in insurance products and their various riders helps us recommend solutions that fit seamlessly into your overall financial strategy.
By working with an independent insurance brokerage, we are not tied to any specific company or product, giving us the flexibility to search the market for insurance options that align with your unique needs. Our approach focuses on balancing both growth and protection, and being fee-based allows us to consider the full financial picture in creating a plan tailored to your goals.