The annual portfolio management fee is billed quarterly in advance, based on the account value at the end of the previous quarter. The minimum account size is typically $400,000, but fees and minimums are negotiable. The fee schedule is 1.00% on the first $2,000,000, 0.75% on the next $3,000,000, and 0.50% on assets over $5,000,001. Fees may be reduced by combining account values of family members in the same household. Retirement plan advisory services are charged an annualized fee of 0.75% of assets under management.