Management Fees

Portfolio Management Programs are offered by registered investment advisors, brokers, banks, insurance, accounting and various “financial planning” firms. These accounts can charge 1.30% or More of the total value of each family account Every Year and Fee Breakpoints don’t typically apply until the account value is at least $250,000. The value of multiple family accounts (IRA’s etc.) are not usually Combined to reach Fee Breakpoints.

PTI’s Lower and Declining Fees can save any investor money Every Year compared to a typical fixed fee schedule. Lower fees are the most direct way to improve long-term performance.

Financial industry Management Fees and Fee Breakpoints should be much lower.

Investors should be able to see the fee schedule for any registered investment advisor on the firms ADV part 2 Disclosure Brochure at In the firm tab type in the firm’s name and search. In “More Details” select “Part 2 brochure”. Fees and Commissions are under item 5. Unfortunately, many firms make it hard for investors to see exactly how much they will be paying every year.

PTI’s annual fee for Research, Portfolio Management, and Monthly Performance Tracking Reports.
3/4 of 1 Percent up to $250,000 – Only $7.50 per $1,000.
3/8 of 1 Percent from $250,000 to $500,000 – Only $3.75 per $1,000.
1/8 of 1 Percent over $500,000 – Only $1.25 per $1,000.
For accounts with only self-directed stock positions there is a flat monthly fee for research, posting transactions, printing, and mailing monthly updates etc. of $45. However, if the account value is less than $72,000 the monthly fee would be .000625% (3/4 of 1% a year). For example, a $25,000 account would pay $15.63 a month not $45.

Points to consider when Comparing Fee Schedules.

There is No PTI Fee on the value of individual Stock positions selected and Managed By The Investor.
There is No PTI Fee on uninvested Cash in the money market.
PTI Fee Breakpoints apply to the Total Combined Value Of All Family Accounts (Joint, Single, IRA’s, Rollovers, Trust, Custodial etc.).