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Our Fees

LifeGuide is proud to be a NAPFA-certified, fee-only advisor. The fees you pay for our services are our only source of income—no kickbacks or commissions ever.

What do I get and how much will it cost?

LifeGuide clients pay a Total Relationship Fee* which includes all of our Financial Life Planning, Investment Management, and Survivor Assistance services.

Financial Life Planning

Your plan is designed to do much more than maximize your net worth; it’s designed to help you live as a wise and faithful steward of all God has entrusted to you!

Investment Management

We design your investment portfolio to align with your values and integrate deeply with your Financial LifePlan. We manage and actively monitor your portfolio in-house.

Survivor Assistance

You and your family will never walk alone. In the unfortunate event of a death, your family has a trusted, compassionate team to help manage family finances and navigate a new reality.

Fee Overview

 

Total Invested Directly with LifeGuide Initial Planning & Setup Fee Annual Planning, Coaching, & Advice Fee Annual Direct Asset Management Fee Annual Total Relationship Fee Annual Marginal Relationship Fee
$20,000,000 Included 0.25% 0.20% 0.45% 0.37%
$12,500,000 Included 0.28% 0.22% 0.50% 0.37%
$7,500,000 Included 0.34% 0.26% 0.60% 0.37%
$3,000,000 Included 0.48% 0.30% 0.78% 0.60%
$1,500,000 Included 0.66% 0.30% 0.96% 0.60%
$750,000 Included 0.92% 0.30% 1.22% 0.93%
$450,000 Included 1.07% 0.30% 1.37% 1.30%
$250,000 $1,500-$4,000* 1.12% 0.30% 1.42% 1.30%
$125,000 $1,500-$4,000* 1.24% 0.30% 1.54% 1.30%

Fund expenses are in addition to the fees listed above, and are not paid to LifeGuide. Typical blended expense ratios for our portfolios range from 0.04% to 0.54%**

**Total Relationship Fee subject to a $125/month minimum. Initial Planning & Setup Fee is based on scope of planning and is waived for clients who invest $450,000 or more directly with LifeGuide. See ADV for full fee details.

**Fund expenses as of 9/23/2023

Understanding Your Fee

LifeGuide clients pay a Total Relationship Fee* — The total annual fee for all services we provide. Your Total Relationship Fee is comprised of your:

  • Initial Planning & Setup Fee — This one-time fee covers the initial Financial Life Planning engagement, account transition, and setup.
  • Ongoing Planning, Coaching, & Advice Fee — This fee covers the ongoing planning, coaching, and survivor assistance services. It is charged on and includes advice for accounts we directly manage, as well as outside accounts**. Clients may qualify for waived fees on assets they either can’t or shouldn’t move to our direct management, such as current employer retirement accounts or annuities with surrender charges.
  • Direct Asset Management Fee —This fee covers in-house oversight, management, and trading** of accounts we directly manage at our preferred custodian, Charles Schwab.
  • Marginal Relationship Fee — Our fees are based on a decreasing blended schedule. This is the fee that would be charged on the next dollar invested in the current fee tier.

**Total Relationship Fee subject to a $125/month minimum. Initial Planning & Setup Fee is based on scope of planning and is waived for clients who invest $450,000 or more directly with LifeGuide. See ADV for full fee details.. See our ADV for full fee details.

**Subject to account minimums.

LifeGuide clients pay a Total Relationship Fee* — The total annual fee for all services we provide. Your Total Relationship Fee is comprised of your:

  • Initial Planning & Setup Fee — This one-time fee covers the initial Financial Life Planning engagement, account transition, and setup.
  • Ongoing Planning, Coaching, & Advice Fee — This fee covers the ongoing planning, coaching, and survivor assistance services. It is charged on and includes advice for accounts we directly manage, as well as outside accounts**. Clients may qualify for waived fees on assets they either can’t or shouldn’t move to our direct management, such as current employer retirement accounts or annuities with surrender charges.
  • Direct Asset Management Fee —This fee covers in-house oversight, management, and trading** of accounts we directly manage at our preferred custodian, Charles Schwab.
  • Marginal Relationship Fee — Our fees are based on a decreasing blended schedule. This is the fee that would be charged on the next dollar invested in the current fee tier.

**Total Relationship Fee subject to a $125/month minimum. Initial Planning & Setup Fee is based on scope of planning and is waived for clients who invest $450,000 or more directly with LifeGuide. See ADV for full fee details.. See our ADV for full fee details.

**Subject to account minimums.

I first discovered LifeGuide through my former employer. LifeGuide was a supporter of the organization and I had so much respect for their commitment to serve and give back to the community. I then referred my mother to them and they were so amazing to work with that my husband and I signed on as clients as well. It is top quality service and the entire team is so kind and willing to go above and beyond. I highly recommend!!!— CrystalAs posted in Crystal's Google Review

The presented testimonial is from a current LifeGuide Financial Advisors client and was obtained via a third-party website from 2021 onward. LifeGuide Financial Advisors reached out to a random sample of clients requesting voluntary feedback. Clients were not provided any compensation with respect to said testimonials. The testimonial provided is for informational purposes only and is not representative of all client experiences, which may differ substantially. Click here to view all the testimonials received by LifeGuide Financial Advisors on Google My Business.

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