Financial planning services are offered on a fixed fee basis, with 50% due upon signing the agreement and the remaining 50% upon delivery of the plan. Fees are negotiable. Insurance commissions are paid by the issuing insurance company. Non-managed financial advisory services are billed hourly ($500 minimum), monthly ($125-$150), or annually ($1,500-$1,800). Managed assets are charged a percentage-based Financial Advisor Fee, ranging from 1.35% to 1.95% for assets under $499,999, 1.15% to 1.34% for $500,000 to $999,999, 1.00% to 1.14% for $1 million to $1.99 million, and 0.90% to 0.99% for $2 million and above. The final fee depends on the client's financial situation and the complexity of the service requested. Asset-based fees are non-negotiable.