Smart Planning. For Life.


Risk-Engineered Portfolios

Our investment strategy focuses on protecting your portfolio by allowing for more flexibility in its construction. It includes both a passive and active investing approach. We are able to provide efficiency and cost savings for our clients through prudent use of passive ETFs in certain areas, but we also add substantial value by utilizing strategies that actively manage both market trends and market risk.

Our risk-engineered portfolio design process embraces an "enhanced" diversification model.

A wider range of non-traditional alternative mutual funds and ETFs are blended into your core asset allocation in order to better protect your portfolio against potential downturns and/or severe losses.


Fee Structure

Advisory Fees For Assets Held at Fidelity Investments, Inc.

Our annual fee for managing your portfolio is based on portfolio size in accordance with the following negotiable tiered fee schedules:

                                        Asset Management Services

                    Less than $250,000 1.25%
                    $250,001 - $500,000 1.00%
                    $500,001 - $1,000,000 0.75%
                    $1,000,001 - $2,000,000

0.65%

                    $2,000,001 - $5,000,000   

0.50%

                    More than $5,000,000 0.35%         

                                 
                                Financial Life Management Services

                   Less than $250,000      1.50%
                   $250,001 - $500,000

1.25%

                   $500,001 - $1,000,000 1.00%
                   $1,000,001 - $2,000,000

0.80%

                   $2,000,001 - $5,000,000

0.65%

                   More than $5,000,000

0.50%        


Financial Life Management services include ongoing, year-round financial planning. The associated fees are higher because they include ongoing comprehensive financial planning services, including tax planning. Advisory fees are paid by direct deduction from the portfolio on a quarterly basis.


Advisory Fee For Outside Assets
      

Our advisory service platform provides for the inclusion and coordination of your investment assets wherever held for pursuing your goals and objectives. Investment advisory services for assets, such as, but not limited to:  a 401(k), annuity, self-directed brokerage account, executive compensation program, 403(b), or 529 Plan are charged an annual fee based on portfolio size as follows:

                    Less than $100,000        0.65%
                    $100,001 - $250,000 0.50%
                    More than $250,000 0.35%


Advisory fees can be paid by check. If you have an existing managed account with LodeStar®, you may elect to have your fees debited from that account.

Our fees do not include custodial fees or securities transaction fees, if any, charged by your custodian. LodeStar® imposes a minimum of $100,000 to open an account, which may be lowered by LodeStar® in its discretion. Multiple accounts are aggregated in determining the appropriate advisory fee. 

As Seen In


As Seen In