Our Services & Fees

At Fortunium Wealth Management, we believe that exceptional financial guidance begins with trust, transparency, and a personalized approach. We believe clients deserve to understand both the value of professional financial advice and the cost of receiving it." 

Our clients receive more than investment management. We provide comprehensive financial and retirement planning services designed to help individuals and families build wealth, prepare for retirement, generate retirement income, and preserve their financial legacy.

Our approach is simple: One comprehensive advisory relationship. A wide range of financial planning services. A transparent fee structure.

Our advisory fees are based on the value of assets under management. As your portfolio grows and reaches higher asset levels, our published advisory fee rates decrease.

Assets Under Management  -  Annual Advisory Fee

Less than $500,000 - 1.50% 

$500,000 to $999,999 - 1.25%

$1,000,000 to $1,999,999 - 1.00%

$2,000,000 to $4,999,999 - 0.75%

$5,000,000 to $9,999,999 - 0.65%

$10,000,000 and above - 0.50%

Fees shown are annual advisory rates. Individual fees may vary depending on the advisory program, account arrangements, and services provided. The applicable fee will be disclosed in the client's advisory agreement. Additional costs may apply, as discussed below.

Our comprehensive wealth management relationship integrates investment management, financial planning, and retirement strategies based on your individual circumstances and objectives.

Investment & Wealth Management

• Personalized investment portfolio design
• Portfolio diversification and asset allocation
• Risk tolerance assessment and management
• Portfolio monitoring and rebalancing
• Tax-aware investment strategies
• Investment performance reviews
• Conservative, balanced, and growth-oriented strategies

Comprehensive Financial Planning

• Financial goal setting and planning
• Net worth and financial position analysis
• Budgeting and cash flow management
• Debt management strategies
• Education funding and college planning
• Tax planning considerations and coordination with tax professionals
• Insurance and protection needs analysis
• Estate planning considerations and coordination with legal professionals
• Financial planning reviews and adjustments

Retirement Planning & Retirement Income Strategies

• Retirement readiness assessments
• Retirement income projections
• Social Security claiming strategy analysis
• Pension and employer retirement benefit evaluations
• 401(k), 403(b), IRA, and Roth IRA planning
• Roth conversion strategy analysis
• Retirement withdrawal and distribution planning
• Required Minimum Distribution (RMD) planning
• Longevity and inflation risk planning
• Retirement income sustainability analysis
• Retirement tax-efficiency considerations
• Survivor and spousal retirement planning
• Legacy and wealth transfer planning

Ongoing Guidance & Personalized Service

• Regular portfolio and financial plan reviews
• Ongoing access to your financial advisor
• Financial guidance through major life changes
• Retirement transition planning
• Coordination with accountants, attorneys, and other professionals
• Adjustments to your financial strategy as your needs evolve

Services are provided as applicable to each client's needs, account type, advisory program, and agreed-upon scope of engagement. Third-party professional services are not included in the advisory fee.

We believe transparency means helping clients understand not only our advisory fees, but also other expenses associated with investing. 

Our advisory fees generally cover the advisory and financial planning services described above. However, depending on the investments and programs selected, clients may incur additional expenses, including:

• Platform and custodial fees: Fees assessed by investment platforms, custodians, or other service providers.
• Mutual fund expenses: Internal fund management and operating expenses, as disclosed in the fund's prospectus.
• ETF expenses: Internal operating expenses associated with exchange-traded funds.
• Transaction and other account charges: Applicable trading costs, account-related charges, and other expenses not included in the advisory fee.

These charges, where applicable, are separate from our advisory fee and may increase the total cost of investing. Additional expenses and their applicability will depend on the investment products, accounts, and advisory programs selected.

Whether you're preparing for retirement, already retired, or looking for professional investment guidance, we invite you to discover how Fortunium Wealth Management may help you pursue your financial goals.

During our initial consultation, we'll discuss your financial situation, retirement objectives, investment concerns, and the services and fees that may apply to your relationship.

No obligation. Just an opportunity to explore your financial future with greater clarity.