Transparent
Fee-Only Pricing
What It Costs to Hire Your Personal CFO
Hi, I’m Bobby Cremins. As a fee-only fiduciary financial planner, I believe in absolute transparency. You should always know exactly what you are paying and the exact value you receive in return.
My Personal CFO service is designed for people in or nearing retirement who recognize the value of a personal relationship with an expert. When you hire me, we build a genuine relationship to mitigate your taxes, maximize your retirement income, protect your heirs, preserve your wealth, and magnify the impact of your charitable giving.
Our Wealth Management Fee Schedule
My primary service integrates comprehensive financial planning with evidence-based portfolio management. Our standard advisory fee is based on the market value of the assets under management and is calculated as follows:
| Account Value | Annual Advisory Fee | Quarterly Advisory Fee |
| $0 – $1,000,000 | 1.0% | 0.25% |
| $1,000,001 – $3,000,000 | 0.8% | 0.20% |
| $3,000,000 and Above | 0.6% | 0.15% |
Fees are pro-rated and paid directly from your accounts on a quarterly basis. For clients who do not currently meet asset thresholds but require complex guidance, we also offer Comprehensive Financial Planning on a retainer basis.
Frequently Asked Questions About Our Fees
How exactly is my advisory fee calculated? We use a blended, tiered fee schedule. This means your fee is calculated by applying the specific percentage rates to the assets that fall within each tier. For example, if you have $2,000,000 under management, the first $1,000,000 is billed at 1.0% annually, and the next $1,000,000 is billed at 0.8% annually.
When and how are the fees paid? Our advisory fees are pro-rated and paid in advance on a quarterly basis. The fee is calculated using the value of your account on the last day of the previous quarter, and the amount is directly debited from your managed accounts.
What if I don’t meet the asset thresholds but still need a Personal CFO? For clients who require comprehensive guidance but prefer to pay directly rather than through an asset-based fee, we offer Comprehensive Financial Planning on a retainer basis.
The True Value of Your Advisory Fee
The dominant factor in your long-term financial outcomes is your behavior, not just investment performance. My fee is earned by acting as your emotional shield—keeping you grounded during market turmoil and protecting you from knee-jerk emotional decisions.
We view wealth building not as an end in itself, but as a tool for financial peace and radical generosity. When the inevitable storms of life come your way, I will be there as a friend, coach, encourager, expert, and trusted advisor to help navigate the course.
