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The "Second" Most Important Thing About Our Advisory Relationship.....the Fees.

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The Most Important - Trustworthiness, Scrupulous Care, Honesty, and Diligence. This is called the “Fiduciary Duty”.

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Chester Financial will not be your cheapest option. You get what you pay for. 

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Every client should have expectations in regards to Advisory fees from Chester Financial.  

  1. "New Client" Fee

    • The Advisor's fiduciary responsibility is of the greatest importance. Hence, great pride is taken in our due diligence. Every new client shall expect a thorough Financial Assessment as well as an analysis of their current financial plan.

      • $1,000 New Client - Individual​

      • $1,500 New Client - Family / Joint 

      • Negotiated Fee: Yes, Chester Financial will listen to any request you may have.

      • Not Applicable: (would need a really really good explanation)

    • If you don't want to talk to your financial adviser about your net worth statement, mortgage, debts, 401k's, kids, financial problems, financial needs, wants, or what you'll be doing when "retired"; then Chester Financial will not be a good fit for you.  Our success will be measured by more than just growing numbers on your investment statements.​

  2. Asset-based Fee​

    • Asset-based fees are negotiable but are generally based on the following tiered schedule.
      (AUM tier is determined by client’s total household assets in which Chester Financial holds discretionary authority. Client agrees to compensate Chester Financial on a calendar quarterly basis, before Investment Services are provided.)​

      • $0 to $1,000,000 = 0.375% 

      • $1,000,000 - $5M = 0.30% 

      • $5M+ = Negotiable​ ​​

  3. Financial Planning Fee​​

    • Risk Analysis and Management - Insurance 

    • Retirement Planning

    • Education Planning

    • Legacy/Estate Planning

    • Portfolio Management 

    • Securities Advice

    • All areas of Financial Planning for:

      • ​​​​$5,000 One-time Fixed Fee with 12-month retainer included​ -or-

      • Negotiated One-time Fixed Fee with 12-month retainer included​​ -or- ​

      • Negotiated Annual Fee

    • Single Subject Planning will be Negotiated at the Advisor's discretion​

    • Should the client/advisor agree on an hourly rate of service rather than that of the flat-fee and/or an AUM-fee, the client will be billed at a rate of $350.00 per hour.

  4. Business Pension Plan Advisory Fees

    • Includes 401k, 403B, and other pension plans.​

    • As low as 0.45% annual asset-based fee on plans over $10 million in assets that also meet an Advisor discretion requirement.

    • 3(38) Advisory services available and preferred by Chester Financial.

    • These fees will never exceed that of any fee listed in #1, #2 or #3.

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