For portfolio management, fees are based on a percentage of assets under management, as detailed in the fee schedule. For example, the first $250,000 is charged 1.25%. There is also a quarterly administrative fee of $18.75. Third-party asset management fees are cumulative, including both BJIA's fee and the separate account manager's fee. Financial planning is billed hourly, generally at $150 per hour, but not exceeding $250 per hour, with a minimum fee of $250. Fees are negotiable.