Fees are paid monthly, in arrears, based on the average daily balance of assets under management. Fees are negotiable but cannot exceed 1.5% for direct relationships with CFP. For clients referred through a Promoter agreement, fees cannot exceed 1.9%, inclusive of CFP's fees and the Promoter's fee. The fee includes brokerage commissions, most transaction fees, and expenses related to financial planning. Clients may incur additional charges imposed by custodians and third-party investment managers.