Moir Plan Fees
As Advisors and Planners our focus is private wealth management and fee-based financial planning services. We are committed to providing an appropriate level of service to all of our clients. In order to accomplish this, we strive to communicate our value not only through working diligently to help you realize your financial goals and visions, but also through administering fees consistently that are transparent and fair.
Below, we outline the fee schedule for the services we provide. We welcome any questions, at any time, that you may have in regards to these prices and services.
Wealth Management
Our highly experienced team will direct and supervise the investment management of your assets. This is accomplished by maintaining an appropriate portfolio asset allocation year after year in light of your changing needs and market conditions. Quarterly, systematic fee compensation will be charged for this personalized service as per the fee schedule that follows.
| Assets Under Management | Annual Fee |
| $250,000 – $500,000 | 1.25% |
| $500,001 – $750,000 | 1.15% |
| $750,001 – $1,500,000 | 1.00% |
| $1,500,001 – $2,500,000 | .80% |
| $2,500,001 + | .70% |
*Additional fees may apply based on the advisory platform.
Financial Planning
Depending on your needs, our financial planner will develop, present and where appropriate, implement a financial plan to help you achieve your goals. The following items are often, though not always, included:
- Identify life goals & values
- College funding
- Investment portfolio design
- Tax reduction strategy
- Retirement planning
- Multi-generational issues
- Net worth & cash flow analysis
- Estate and charitable gift planning
- Insurance needs analysis
- Real estate & debt management
| Plan Type | Minimum Plan Fee |
| Comprehensive | $8,000 |
| Situational | $5,500 |
| Retirement Distribution | $3,000 |
| Goal-Based Investment Focus | $2,500 |
| Financial Life Review | $4,000 |
| Asset Allocation Focus | $2,500 |
| Updates | As quoted / hourly rate |
Depending on the complexity of your situation, your plan may cost more than the stated minimum. 100% of the plan fee is due at the commencement of the planning process.
If you engage in a plan update, you will receive a proposal detailing what your update will contain as well as the estimated cost. We will request a retainer prior to starting the update and invoice the balance at regular intervals, depending upon the complexity of your update.
A La Carte Planning Offerings
We have a variety of services available for a fee. These services are priced based on either an hourly rate or the complexity of your situation. Fees are either upfront and/or invoiced monthly, depending on the requested service.
Asset Onboarding
(No Plan)
Minimum Fee or Billing: $780
We evaluate your financial position, nurturing your investment goals through thoughtful recommendation and personalized management.
Business Planning
We facilitate the needed conversations providing a neutral perspective, to help your business, basic or advanced, regarding Business Continuation Strategies, Business Succession, Executive Compensation Planning, Employee Benefits, and overall Business Guidance.
Estate Closure Assistance
When your loved one passes, we guide you through the estate closure process, providing utmost consideration for your loved one’s wishes.
Estate Planning Collaboration
In conjunction with your current professionals, we work to convey your best interest and arrange your estate accordingly.
Financial Life Review
Too often the passing or the aging of a loved one can be both deeply saddening and financially bewildering. This offering is for the financially conscious person who values planning, clear communication between generations, and leaving behind a structured financial legacy.
Qualified Retirement Review
We assess your company’s retirement plan(s) with respect to structure, cost responsibilities, and investment options, providing guidance and additional perspective based on your company’s needs.
Social Security Optimization
We guide you to the most appropriate benefit decision with respect to your age, income, life expectancy, and family.
Risk Management Review
We provide an independent review and guidance for your Life, Health, Disability, and Long-Term Care Insurances.
Collaboration
We collaborate with you to work in cooperation with your other professionals (lawyers, CPAs, etc.) in order to bring you your optimal result.
Optional Commission-Based Investments and Insurance
A commission will be charged when administering the following services:
- Mutual funds
- Annuities (for tax-deferred growth potential)
- Life insurance, disability insurance, and long-term care coverage
