It takes considerable experience, knowledge and discipline to structure, implement and maintain passively structured investment strategies. At Cardiff Park, access to consultations is not limited. Clients receive a financial plan, an investment policy statement, access to institutional index and bond markets and implementation support. We also rebalance portfolios, harvest tax losses and issue comprehensive reports.

Even with our broad range of services, our fees remain well below the industry average. That’s because, unlike active managers, we do not spend hours researching companies or sectors or on timing the market. In addition, Cardiff Park’s key business operations are highly efficient. We do not farm out work to vendors who charge basis points on your assets. Instead, we conduct all of our key business processes in-house.

Most advisors base their pricing on assets under management. While these fees can seem small on a percentage basis, they can dramatically reduce compounded returns over time. At Cardiff Park, our fees are fixed; they do not rise as account values increase. One quarterly fee covers all accounts for one family. There is no account minimum.

Our fees are based solely on the estimated number of hours required to service your account. Therefore, they vary depending on the complexity of your financial structure and to the extent you wish to use our array of services. They range from $1,800 to $3,600 per year, or $450 to $900 per quarter.