Want us to manage your investments?
Wealth management: we manage your investments and provide ongoing financial planning.
0.65%of assets we manage
$2 million minimum
or
From$13,000a year
flat annual fee*
How we’re paid
Wolf Pine Capital is a fee-only financial advisor with flat-fee and asset-based options. You pay us directly, and we don’t earn commissions on anything we recommend.
You can hire us to manage your investments along with ongoing financial planning, or for financial planning only. Here’s what each costs and what it includes.
Wealth management or planning only
Prefer to invest on your own?
Planning only (sometimes called advice-only): you manage your own investments, and we provide ongoing financial planning.
From$6,500a year
flat annual fee*
If you choose wealth management, you can pay a flat fee or 0.65% of assets. We’ll go over both on our first call.
How a flat fee is set
A flat fee is based on how complex your financial life is, and we set it together before we start.
It works the same way for wealth management and planning only. Once it’s set, your fee stays the same from year to year. It changes only if we both agree to a new fee in writing.
Closer to the starting fee
- One person or a couple
- Investments plus focused financial planning
- A straightforward tax and estate picture
- A handful of accounts
Higher as complexity grows
- Multigenerational family planning
- Equity compensation or concentrated stock
- Business ownership or a planned sale
- Trusts, gifting, and wealth-transfer planning
- Many accounts, entities, or states
What’s included
Both include ongoing financial planning. Wealth management adds management of your investments.
| Service | Wealth management | Planning only |
|---|---|---|
| Ongoing financial planning | ||
| Retirement, tax, estate, and charitable planning | ||
| Equity compensation and concentrated-stock planning | ||
| Coordination with your accountant and attorney | ||
| Investment management and rebalancing | Advice only | |
| Account administrationFor example, help with account paperwork and moving money | Guidance only | |
| Where your accounts are heldThe custodian that keeps your assets | Charles Schwab | Wherever you choose |
Not included. We don’t prepare tax returns or draft legal documents. When you need them, we work alongside your accountant or attorney.
How billing works
When you pay
At the end of each quarter, for the quarter just finished.
How you pay
Wealth management fees are deducted from your Schwab account. If you choose the flat fee, you can also choose to be invoiced. Planning-only fees are invoiced.
Changing your fee option
You can ask to switch between the asset-based fee and the flat fee. If we agree, we’ll update your agreement in writing.
If you leave
You can end the agreement at any time with 15 days’ written notice. You pay only through the final day, and nothing is billed in advance.
Other costs
Fund expenses and trading or custody costs are separate and are never paid to Wolf Pine Capital. We discuss them when they apply.
We also take on one-time projects, billed hourly or as a flat fee.
Read the details
Complete fee and billing terms are in our Form ADV and your advisory agreement.
Start with a conversation.
We’ll learn what you’re working on, explain both ways to work together, and answer your questions about fees.
*Flat fees (called fixed fees in our Form ADV) generally start at the amounts shown and are set by the scope of your planning. Fees are agreed in writing and described in full in our Form ADV Part 2A. The $2 million minimum applies to the asset-based fee option.
