Transparent Fee Structure

At Stonehearth Capital Management, we believe in clear and straightforward pricing for our services. Our fee structure is designed to align our interests with yours, ensuring that we succeed when you do.

Comprehensive Financial Planning & Investment Management

Our flagship service combines personalized financial planning with professional investment management. We operate on an Assets Under Management (AUM) fee model, which means our compensation is directly tied to the growth and success of your portfolio.

We typically work with individuals and families who have $1 million or more in investable assets, or who reasonably expect to reach that level within three years. The minimum may be waived for the children and parents of our existing clients.

AUM Fee Schedule:

• First $250,000: 1.25% annually

• Next $750,000: 1.00% annually

• Next $2,000,000: 0.75% annually

• Next $2,000,000: 0.50% annually

• Over $5,000,000: 0.25% annually

Fees are billed quarterly and are calculated based on the market value of your assets under our management at the end of each quarter.

This structure ensures that our goals are aligned: as your portfolio grows, our compensation grows, and if your portfolio declines, so does our compensation.

Comprehensive Financial Planning Services

For families who want a complete, coordinated financial plan, without ongoing investment management.

Flat fee: $5,000

This is a one-time engagement that gives you a clear picture of where you stand and what to do next. We review your full financial picture, including retirement income, taxes, estate documents, insurance, and family considerations. You receive a written summary letter with our analysis, observations, and recommendations.

How it works

• You complete a short data-gathering form, and we build your plan.

• We review the plan with you, typically within a few weeks.

• You receive a written financial planning summary letter.

• For three months after you receive it, you can bring us follow-up questions.

If you decide to move your investments to Stonehearth within that three-month window, we apply the $5,000 planning fee as a credit toward your management fees. The credit is applied each quarter until it is used.