The annual fee for portfolio management is 1.0% on the first $1,000,000 of assets under management and 0.5% on amounts above that. For example, a $2 million portfolio would be charged 1% on the first million and 0.5% on the second million. Fees are calculated and charged quarterly in arrears based on the market value of the account on the last day of the quarter. A minimum of $500,000 of assets under management is required, but this may be negotiable. They do not charge a separate fee for consulting services. Fees for insurance sales are commission-based.