Services and Pricing
Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.
Investment Management Fees
Our Success is Tied to Yours
We utilize an Assets Under Management (AUM) model for clients with at least $500,000 in investable assets. This ensures our interests remain perfectly aligned: as your portfolio grows, we grow with you.
For clients with $500,000+ in investable assets, we provide comprehensive management across:
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Retirement Accounts: Traditional, Roth, Beneficiary, SEP, and SIMPLE IRAs.
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Taxable Accounts: Individual, Joint, and Trust Brokerage accounts.
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Rollovers: Previous employer 401(k)s transitioned into an IRA.
Fee Breakdown
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Advisory Fee: Starts at 1.00% annually.
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Investment Costs: Estimated at 0.40%–0.60%.
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Note: These are the underlying costs of the investment portfolios (like mutual funds or ETFs) and are not paid directly to our firm.
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Why the AUM Model?
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Transparency: You always know exactly what you are paying based on the value of your portfolio.
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Alignment: We are incentivized to grow and protect your wealth; when your portfolio performs better, our interests are perfectly matched.
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Simplicity: Fees are typically deducted directly from your account, so you don't have to worry about writing a monthly check.
Flat-Fee Services
To provide complete transparency, I offer two specialized services via a Flat-Fee Model. These are fixed-cost engagements, meaning you know exactly what you will pay upfront, regardless of your account size or income.
This model is ideal for clients who may not have $500,000 outside of their employer's 401(k) plan, but still value targeted, custom advice from an expert.
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Tax Planning Analysis | $400
A deep-dive review of your most recent tax return to identify opportunities, visualize your tax brackets, and provide a roadmap for lowering your lifetime tax liability. *****
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One & Done Financial Plan | $2,000
This is a comprehensive, one-time financial blueprint. We analyze your entire financial life, retirement goals, insurance, estate needs, and cash flow, and provide you with a clear action plan to implement on your own.
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Payable by check only.
Why a Flat Fee?
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Defined Scope: You pay for a specific deliverable (a report or a plan), not ongoing oversight.
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Budget Certainty: There are no hidden costs or percentages. You pay one price for professional expertise.
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Objectivity: Because the fee is fixed, our recommendations are focused solely on the best strategies for your specific situation.
Not sure which path is right for you?
Whether you need ongoing management or a one-time strategy, Liz can help you determine the best fit during our introductory call.
* AUM Assets under management does not include 401(k)s held with current employer.
** Additional platform and/or custody fees which are dependent upon size of your portfolio and specific investments.
***Securites backed credit are offered through programs and preferred banking relationships offered through AIC and AAS's relationships with third-party custodians.
**** The Tax Planning Analysis provided by Diligence Wealth Management is powered by Holistiplan, a third-party tax planning software. This report is intended solely for informational and educational purposes to assist in identifying potential financial planning opportunities. Liz Daffner/Diligence Wealth Management is not a licensed CPA or tax preparer. We do not provide tax preparation services, nor do we sign or file tax returns with the IRS or state authorities. We recommend working with a tax advisor before implementing any ideas from the Tax Report. This analysis does not constitute a formal tax opinion. The insights provided are based on the data contained in the tax returns you provide. While we aim for high accuracy using OCR technology, the report may not reflect all aspects of your specific tax situation. Tax laws are complex and subject to change. You are strongly encouraged to consult with a qualified tax professional (CPA or Enrolled Agent) before implementing any strategies discussed in this report. Diligence Wealth Management assumes no liability for any tax positions taken or penalties incurred by the client.