As a fee-only financial advisor, we are independent and objective. We think this strategy is essential, and it provides many benefits to you throughout our relationship — in both designing your portfolio and building your portfolio. It allows us to consider the thousands of investment alternatives available today, and weigh the merits of one investment against another — avoiding the conflicts of interest that are common to advisors who receive commissions.

Financial Plan Fee and Financial Planning Reimbursement Allowance
We charge a fee for the initial financial plan, based on hourly rates. This fee typically ranges from $2,500 to $5,000 depending on the complexity of your plan, and it is spelled out in advance in our engagement letter.  As an ongoing asset management client, you never have to pay for updates to your financial plan — it is simply part of the service we provide.

To help offset the cost of the initial financial plan, GHP Investment Advisors (GHPIA) provides qualified asset management clients with a one-time financial planning reimbursement allowance. As an asset management client who pays standard asset management fees on $500,000 to $1 million of equity assets, you may be eligible to receive a one-time financial planning reimbursement allowance of $1000. Asset management clients who pay standard asset management fees on $1 million or more of equity assets may be eligible to receive a one-time financial planning reimbursement allowance in an amount equal to the entire cost of the financial plan.

Asset Management Fees and Professional Services Reimbursement Allowances
All fees for asset management services are based on a percentage of your assets under management. Standard asset management fees are calculated on a sliding scale, between 0.50% and 1.00% per year for equity assets, and a fixed rate of 0.30% per year for fixed income assets. Management fees are paid quarterly and may be automatically deducted from your investment account. There is no charge for cash under management.

GHPIA recognizes that effective wealth management often involves the blending of various professional services. To help offset the cost of these services, GHPIA created our Professional Services Reimbursement Allowance program.¹ Through this program, qualified clients receive an annual reimbursement allowance which they may apply to the cost of qualified wealth management related services such as Managed Professional Services (tax/accounting, estate, or other legal) or Business Advisory Services (M&A, business valuation, profitability analysis) or Personal Home Office (our 'Personal Financial Assistant' and managed personal services). Asset management clients who pay standard management fees on $1million or more of equity assets may be eligible to receive an annual reimbursement allowance of $1000 or more—depending on total equity assets under management.

¹The Professional Services Reimbursement Allowance program is a separate program from the Financial Planning Reimbursement Allowance program described above. The information provided on this web site is only a summary of the reimbursement allowance programs at GHP Investment Advisors.

Assets Under Management	Standard Equity Assets Fee*	Standard Fixed Income Assets Fee*	Reimbursement Allowances
$1–$999,999	1.00%	0.30%
$1,000,000–$1,999,999	0.90%	0.30%
$2,000,000–$2,999,999	0.80%	0.30%
$3,000,000–$3,999,999	0.70%	0.30%
$4,000,000–$4,999,999	0.60%	0.30%
$5,000,000 or more	0.50%	0.30%

*All fees for asset management services are based on a percentage of your assets under management — based on a sliding scale between 0.50% and 1.00% for equity assets, and a fixed rate of 0.30% for fixed income assets. Fees are paid quarterly and deducted from your investment account. There is no charge for cash under management. Once you become an asset management client, you do not have to pay for updates to your financial plan — they are part of the regular service we provide. Reimbursement allowances apply only to individual clients paying asset management fees in accordance with the above schedule.