The Adhesion Money Management Program charges an annual wrap fee based on assets under management. This fee covers investment advice, portfolio management, asset allocation, rebalancing, transaction execution, and custody. The total wrap fee shall not exceed 2.50%. The fee is comprised of WEG's platform fee, third-party money manager fees (which vary), and a negotiable IAR fee. There is also an optional tax overlay management fee of 0.12% for accounts between $25k-$750k and 0.08% for accounts over $750k. For accounts under $50,000, the ETF Select Model portfolio is offered at a 1.5% annual fee. Fees are negotiable between the client and IAR and are paid quarterly in advance.