Our Fees

Transparent Piggy BankYou can view all of our fees in the Massachusetts Investment Advisor Table of Fees for Services, a new disclosure document required by the Massachusetts Securities Division as of 1/1/2020.

Balanced Rock Investment Advisors is an entirely Fee-Only financial planner and wealth manager. That means we are only paid by you, our client, for our services. Our only interest is providing you with honest, unbiased, and expert advice.

Wealth Management Fees

We charge 0.75% annually of Assets Under Management (AUM), and typically reduce that rate to 0.3% for managing 401k, 403b, 457 and similar employer retirement plans. There is a minimum annual fee for wealth management of $2,250.

We are proud to say that we charge nothing–that right, $0–on 529 education savings plans for our wealth management clients. This is part of Balanced Rock’s commitment to the long-term well-being and education of our clients and their families.

Financial Planning & Consulting Fees

We charge on a fixed rate based on individual estimates for our financial planning service. This is determined up front and is based on the scope and complexity of the work we will be doing.

Payment Terms

Wealth Management fees are billed quarterly in arrears, and can be deducted directly from your managed account or billed directly to you. In either case, you will always receive a statement of fees paid.

Financial Planning fees are billed quarterly in advance. The first four quarters, representing the first year’s fee, will be determined by an individual fixed rate estimate. Beginning with the 5th quarter, the quarterly fee is reduced by half, subject to an annual adjustment as the scope of work changes over time. These terms are described in the investment advisory agreement.

We accept payments by check, direct debit from your checking or savings account (ACH), and by credit card.

Learn more about all of the Services we offer.