ASSETS UNDER MANAGEMENT

• As an investment advisor we manage your account for a percentage of the assets under our management. The annual fee ranges from ½ of 1% to 2%, depending on the size AND complexity of your account. The fee is paid quarterly, at the end of each quarter. If you wish to terminate our association, you can do so at any time. Any pre-paid fees will be refunded to you on a pro-rated basis. Additionally, we may select and monitor other money managers, registered in Michigan, on your behalf. When we do so the other money managers pay us a portion of the fees you pay to them, you do not pay us directly for this service.
  

FINANCIAL PLANNING

• As a financial planner we charge $125 per hour for consultations, which is paid after the consultations. We will give you advice on your financial concerns, including, but not limited to: investments, taxes, insurance, retirement and estate planning. You are the sole determinate of how many hours of financial counseling you'll need, and you can terminate at any time.


• You are free to select any broker you wish for implementation of our advice. If you want us to recommend a broker, you'll get a recommendation based on the broker's costs, skills, reputation, dependability and compatibility with you, and not on any financial arrangement between the recommended broker and us.