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Our Fee Schedule
What you pay should be as transparent as our advice. Here is exactly what Gatewood charges, what it covers, and what it doesn't.
How We're Paid
Our Firm's Fee Structure
Because we are fiduciary advisors, we are ethically required to put your interests ahead of our own — not only because it is a legal standard, but because it aligns with the values we hold as a team.
We believe in transparency in our fees as much as in our advice. How you are billed depends on which services you use, and everyone's situation is unique to their family and to their business. Your fee may combine more than one of the three below.
Our fee is also not your only cost of ownership. Fund expense ratios, custodian charges and transaction fees are set by third parties and go to them rather than to us, and we walk through every one of them before you become a client.
Advisory Fee on Managed Assets
Our primary compensation is a blended tiered fee on the assets we manage, calculated based on the balance of your managed accounts on the last business day of the preceding quarter, multiplied by your tiered fee.
Commission on Insurance Products Sold
Life insurance, disability insurance, and annuities pay a commission from the carrier to us. We are not captive to any carrier and we have no proprietary products, so we're agnostic to which products we suggest.
Service-Specific Billing
Persosonal or Business Tax Preparation, Accounting, CFO and Business Retirement Plan services are quoted individually and billed separately from other advisory services.
| Tier | Range of Assets Managed | Marginal Rate | Effective Rate |
|---|---|---|---|
| 1 | $0 – $1,000,000 | 1.25% | 1.25% |
| 2 | $1,000,001 – $2,000,000 | 0.75% | 1.00% |
| 3 | $2,000,001 – $5,000,000 | 0.65% | 0.85% |
| 4 | $5,000,001 + | 0.50% | 0.79% |
Family pricing available for households with $30,000,000+
Our Tiered Billing Explained
Household Advisory Fees
Our fees are based on a tiered billing schedule. Each portion of your assets is billed at the rate for its own tier, so as asset levels increase, the blended fee percentage may decrease — resulting in a more favorable rate as your investments grow.
Fees are calculated on the balance of your managed accounts on the last business day of the preceding quarter, multiplied by your tiered fee.
With our family pricing model, accounts are combined for billing, so household assets are counted toward the same tier. That combination is what makes our multigenerational planning approach practical. Adding a parent's or an adult child's accounts moves the whole household toward a lower blended rate.
How We're Paid
Our Firm's Fee Structure
Because we are fiduciary advisors, we are ethically required to put your interests ahead of our own — not only because it is a legal standard, but because it aligns with the values we hold as a team.
We believe in transparency in our fees as much as in our advice. How you are billed depends on which services you use, and everyone's situation is unique to their family and to their business. Your fee may combine more than one of the three below.
Our fee is also not your only cost of ownership. Fund expense ratios, custodian charges and transaction fees are set by third parties and go to them rather than to us, and we walk through every one of them before you become a client.
Personal Tax Preparation
Prepared by Gatewood Tax and Accounting, billed separately, and quoted per return based on the complexity your situation requires.
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Business Investment Management
Calculated based on the balance of your managed accounts on the last business day of the preceding quarter, multiplied by your tiered fee.
Business Tax Preparation
Prepared by Gatewood Tax and Accounting, quoted based on your entity type, number of returns, and the complexity of your business.
Learn More
Business Accounting Services
Quoted as an ongoing engagement, based on your transaction volume and how often you need the books closed and reconciled.
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Business CFO Services
Quoted as an ongoing engagement, based on the scope of the work, how often we meet, and the reporting you need.
Learn More
Business Retirement Plans
Quoted at the plan level rather than per participant, based on your participant count and the assets held in the plan.
Learn More
Before You Begin
Frequently Asked Questions
Our advisory fee is charged on the assets we manage.
For a client family, the household advisory fees cover financial planning, cash management, investment management, insurance management, tax planning and estate planning — every service in our planning model except tax preparation.
Business services are all priced separately and the fees vary based on your specific needs and complexity, rather than following a standardized rate.
There is no separate charge for planning meetings or for time with a specialist.
Some costs are charged by third parties rather than by us — fund expense ratios inside funds and ETFs, custodian and account fees, and transaction costs.
Other services we offer such as Personal Tax Preparation and all of our business services are quoted and billed separately from the tiered advisory/planning fee schedule listed above.
Before becoming a client, we walk through all of our billing with you in-depth so it is clear what your total cost of engagement before making any decisions.
Quarterly based on the balance of your managed accounts on the last business day of the preceding quarter, multiplied by your tiered fee, debited directly from your account.
Gatewood does not have an account minimum. For households with investable assets below $300,000, a one-time initial planning fee of $3,000 may apply.
Yes. We can prepare a detailed outside account analysis whether you are considering Gatewood or already a client. There is no additional fee to review those accounts, and our advice is the same regardless of whether you choose to work with us.
Yes, any insurance products we sell are subject to commissions, per industry standards.
However, we are not captive to any carrier, we have no proprietary products, and our advisors are compensated the same way regardless of which product is placed or how many policies are written.
We shop the carriers and recommend based on what the plan needs.
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