The Financial Masterpiece Program® and SEI programs have the same fee structure: 1.00% of the first $500,000, 0.60% of the next $1,000,000, 0.40% of the next $3,500,000, and 0.25% of assets over $5,000,000. Portfolio Management Services have a negotiable annual fee of up to 1.0%. Insurance consulting fees are the greater of $7,500 per year, 5% of annual insurance premium, or a percentage of the cash value of the policy (1% of the first $500,000,.60% of the next $1,000,000,.40% of the next $3,500,000 and.25% of the cash value of the policy which is over $5,000,000).