Pricing & Value

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Change Wealth Advisors, LLC is a “fee-only” fiduciary advisor. Our only form of compensation comes from the fee our clients pay us based on the assets that we manage called "AUM," or for ongoing financial planning based on income. We have no soft-dollar arrangements, no corporate incentives, no back-end payments from mutual fund companies, no commissions that we earn, and no conflicts of interest. 

Our pricing is as follows:

1.5% on AUM < $200,000

1% on AUM > $200,001

For investors who do not meet certain AUM thresholds, we are able to offer ongoing financial planning services for a minimum annual fee of $3000 or 2% of income.

Change Wealth Advisors does not place minimums on what we will manage but rather who we will work with. We work closely with our clients and value you and your story. While we work with your finances, we truly believe that the most important things are the qualities that those finances support and represent. Thus, we implement what we call a “no a**hole minimum.” Stated differently, we work with pleasant people who have an upward trajectory, value what we do, and are committed to the process.

We believe that our relationship is a mutually privileged relationship, and we approach all of our clients with respect and value. Your story is important to you, so your story is important to us.

Change Wealth Advisors likes to look at the evidence in everything we do, and let that guide our belief system and decision-making. The value of personally working with a financial advisor is difficult to quantify and see on a monthly statement because the value isn’t itemized, but it is certainly realized.

Vanguard did a study called the “Advisor’s Alpha,” (available in the "External Nerd Studies" section of this website) in which they set out to identify and quantify the value an advisor brings to the table. Change Wealth Advisors believes in maximizing every value possible for clients, so we take a comprehensive approach to working with our clients so that they can receive the best value possible. We believe in this comprehensive approach because it is in the best interest of our clients. Below are Vanguard’s findings broken down into their respective segments.

Advisor’s Value - About 3%

Behavioral Coaching

Plan-based Guidance: 1.5%

Portfolio Construction

Low-cost Investment Selection: 0.45%

Tax-strategic Asset Location: 0.75%

Wealth Management

Drawdown Strategies: 0.70%

Rebalancing: 0.35%