Fees are calculated based on the average daily balance in a client's account for the quarter, net of cash, brokered CDs, and individual investment-grade bonds, and can be up to 2.00% annually. The actual fee is negotiable and based on investment strategies, assets under management, and time devoted to the account. Financial planning and portfolio management services can be offered for a flat fee or at a rate of $300.00 per hour, based on the complexity of the client's situation.