American Capital offers in-house investment advisory programs with fees based on a percentage of the account value. The Allocation Perspectives Portfolio has a different fee schedule than the Allocation Insights Portfolio, which also charges an additional quarterly asset fee of .035%. Fees may be negotiable under certain circumstances. They also offer 3rd party investment advisory programs with fees that vary depending on the advisor and program selected. Financial planning fees are subject to a maximum of 2.5% of household income but not less than 1% annual household income subject to a $500.00 minimum. Hourly fees range from $75 to $250 depending on the service.