Investment advisory fees are based on a percentage of assets under management, as shown in the table. Fees are negotiable and may be waived in certain circumstances, such as employee accounts. Clients are also responsible for third-party fees, such as brokerage commissions and custodial fees. Clients who terminate services receive a pro-rata refund of unused pre-paid fees. The firm requires a minimum of $250,000 to invest with them ($5,000 if the client is a self-directed retirement plan), but retain the discretion to waive the minimum under appropriate circumstances.