Schwab Institutional, Fidelity Investments, and TD Ameritrade Institutional Services—Account Custodians
We do not provide custodial services for any of our clients’ assets. We typically recommend that our clients establish custodial relationships with Schwab Institutional, Fidelity Investments, or TD Ameritrade Institutional Services.

What Our Fee Structure Says About
Our Investment Philosophy

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 believe the more we can see and touch the big picture, the more we can help you obtain and maintain wealth. That’s why we have a unique reimbursement system to help pay and manage many of your tax, legal and financial services.
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
We do not sell insurance or other financial products, and we do not accept commissions as compensation. That’s why our advice is unbiased.
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 Portfolio Management (tax/accounting, estate, or other legal) or Business Advisory Services (M&A, business valuation, profitability analysis) or our Financial Concierge 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% More Info
For $500,000 to $999,999 in equity assets under management, GHPIA provides clients with a one-time $1000 financial planning reimbursement allowance toward the cost of the initial financial plan. Professional services reimbursement allowances begin for clients with $1,000,000 or more in equity assets under management. These can be used to offset the costs of Managed Professional Services, Personal Home Office Services, or Business Advisory Services.
$1,000,000–$1,999,999 0.90% 0.30% More Info
For $1,000,000 to $1,999,999 in equity assets under management, GHPIA provides clients with a one-time financial planning reimbursement allowance in the amount of the cost of the initial financial plan.Clients with $1,000,000 to $1,999,999 in equity assets under management may also be eligible to receive an annual $1000 professional services reimbursement allowance to help offset the costs of Managed Professional Services, Personal Home Office Services, or Business Advisory Services.
$2,000,000–$2,999,999 0.80% 0.30% More Info
For $2,000,000 to $2,999,999 in equity assets under management, GHPIA provides clients with a one-time financial planning reimbursement allowance in the amount of the cost of the initial financial plan.Clients with $2,000,000 to $2,999,999 in equity assets under management may also be eligible to receive an annual $2000 professional services reimbursement allowance to help offset the costs of Managed Professional Services, Personal Home Office Services, or Business Advisory Services.
$3,000,000–$3,999,999 0.70% 0.30% More Info
For $3,000,000 to $3,999,999 in equity assets under management, GHPIA provides clients with a one-time financial planning reimbursement allowance in the amount of the cost of the initial financial plan.Clients with $3,000,000 to $3,999,999 in equity assets under management may also be eligible to receive an annual $3000 professional services reimbursement allowance to help offset the costs of Managed Professional Services, Personal Home Office Services, or Business Advisory Services. Please note, if you have equity assets in excess of $3,000,000, you may be eligible to receive an additional $1000 professional services reimbursement allowance for each $2,000,000 in incremental equity assets under management.
$4,000,000–$4,999,999 0.60% 0.30% More Info
For $4,000,000 to $4,999,999 in equity assets under management, GHPIA provides clients with a one-time financial planning reimbursement allowance in the amount of the cost of the initial financial plan. Clients with $4,000,000 to $4,999,999 in equity assets under management may also be eligible to receive an annual $3000 professional services reimbursement allowance to help offset the costs of Managed Professional Services, Personal Home Office Services, or Business Advisory Services. Please note, if you have equity assets in excess of $3,000,000, you may be eligible to receive an additional $1000 professional services reimbursement allowance for each $2,000,000 in incremental equity assets under management.
$5,000,000 or more 0.50% 0.30% More Info
For $5,000,000 or more in equity assets under management, GHPIA provides clients with a one-time financial planning reimbursement allowance in the amount of the cost of the initial financial plan. Clients with $5,000,000 or more in equity assets under management may also be eligible to receive an annual $4000 professional services reimbursement allowance to help offset the costs of Managed Professional Services, Personal Home Office Services, or Business Advisory Services. Please note, if you have equity assets in excess of $5,000,000, you may be eligible to receive an additional $1000 professional services reimbursement allowance for each $2,000,000 in incremental equity assets under management. For instance, if you have $10,000,000 in equity assets under management, you may be eligible to receive an annual $6000 professional services reimbursement allowance.

*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.