Financial advice is accessible for everyone, regardless of wealth level.
AUM fee structures provide comprehensive planning and portfolio management.
Subscription models offer expert guidance for those who manage their own assets.
Choosing an Advisor
Zoe Team
1 min read
Do I need millions to hire an advisor?
No, advisors help clients at every stage of their financial journey, from just starting out to high net worth individuals.
What is an AUM fee structure?
AUM (Assets Under Management) fees cover comprehensive financial planning, investment management, and ongoing portfolio maintenance.
Who is the subscription model for?
It is ideal for those with smaller investable assets or individuals who prefer managing their own investments but want expert guidance.
It is a common misconception that you have to have $100M in the bank to work with a financial advisor.
At Zoe, we pride ourselves on working with advisors who can help clients who are just starting their financial journey or are private jet status.
There are two main fee structures that advisors in our network offer and they are determined by the services you require and your situation:
Assets Under Management (AUM)
What is it? AUM fee structures provide comprehensive financial planning and investment management.
The advisor does the financial planning and creates a customized allocation that directly relates to the plan. They implement and maintain the portfolio, takes care of the trading, rebalancing, tax harvesting, etc.
The advisor often gets better pricing and a fund expense ratio than a retail client.
Is this advisor relationship type right for you?
Yes, if you seek an expert to manage their finances. If you simply do not have the time or desire to manage your own investments. This relationship type allows the advisor to have the most holistic picture of a client’s financial situation and ensure every aspect is progressing according to the plan.
Subscription or Retainer Relationship
What is it? Financial planning focused on relationships where the advisor will not directly oversee the investable assets but can provide guidance on investments.
Usually, individuals with smaller amounts of investable assets or those who prefer to manage their own investments opt for this type of relationship.
Interested in more information about financial advisory fees? Learn More
Disclosures: Zoe Financial, Inc. ("Zoe Financial") is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. Zoe Financial provides investment advisory services and access to independent registered investment advisers through its platform. The information provided by Zoe Financial is for educational and informational purposes only and should not be construed as personalized investment advice or as an offer to buy or sell any security. All investments involve risk, including possible loss of principal. Past performance is not indicative of future results. Clients should consult with their own financial, tax, or legal professionals before making any investment decisions. The material presented by Zoe Financial is for informational purposes only and is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy, or investment product. Material presented has been gathered from sources believed to be reliable, however Adviser cannot guarantee the accuracy or completeness of such information, and certain information presented here may have been condensed or summarized from its original source. Past performance is no guarantee of future results. Zoe Financial does not provide legal or tax advice, and nothing contained in these materials should be taken as legal or tax advice. SEC Registration does not constitute an endorsement of Zoe Financial by the SEC nor does it indicate that Zoe Financial has attained a particular level of skill or ability. The sole purpose of this material is to inform, and it in no way is intended to be an offer or solicitation to purchase or sell any security, other investment or service, or to attract any funds or deposits. Investments mentioned may not be appropriate for all clients. Before making any investment, each investor should carefully consider the risks associated with the investment, as discussed in the applicable offering memorandum, and make a determination based upon their own particular circumstances, that the investment is consistent with their investment objectives and risk tolerance. Lower expenses do not guarantee better investment performance. Certain information contained herein may constitute forward-looking statements. Due to various risks and uncertainties, actual events, results or the performance of a fund may differ materially from those reflected or contemplated in such forward-looking statements.
