Clients pay an asset-based wrap fee that covers financial advice, active portfolio management, and ticket charges. The maximum annual fee rate is 2.0%. SI imposes a minimum annual fee of $1,500 per household unless otherwise negotiated. Both asset breakpoints and the fee applied at each tier may be negotiable. Fees are billed monthly in advance. Institutional retirement plans are subject to a flat fee determined by a bidding process and subject to negotiation.