Melissa Murphy Pavone

CFP

Forefront

18 Years of Experience

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Firm Information

Forefront

Compensation

Fee-Only (AUM)Fixed/Hourly

Number of Advisors

21 advisors

Number of Clients

572 clients

Average Client Portfolio

$419K average

Assets Under Management

$239.8M

Fee Structure

Minimum Investment:None

Financial Planning:Included in AUM fee

AUM-Based Fees (Tiered)

Assets Under Management	Annual Fee
Up to $750K	1.75%
$750K - $1.5M	1.60%
$1.5M - $3.0M	1.45%
$3M+	1.30%

Fees are negotiable.

Fee Estimator

Your Portfolio Value

$500K

$0$500K$1M$5M$20M

Estimated Annual Fee

—

Financial Plan Fee:$2,500 - $100,000

Hourly Rate:$150 - $1,000/hr

Investment management fees are based on a percentage of your assets under management, billed monthly in advance. Financial planning fees range from $150 to $1,000 per hour or $2,500 to $100,000 as a fixed fee, depending on the scope of service. Estate planning coordination fees range from $300 to $10,000. Flourish Cash and StoneCastle Cash Management accounts incur an annual admin/service fee of 0.15%.

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Areas of Practice

Investment ManagementRetirement PlanningFinancial Planning & CoachingEstate PlanningBusiness OwnersDivorce PlanningSpecial Needs PlanningTax Planning

Advisor Information

Office location

3 Woodland Avenue, Westhampton Beach, NY, 11978

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Regulatory History (1)

What are disclosures? Advisors must report customer complaints, regulatory actions, and certain legal or financial events to the SEC. Not all disclosures are serious—many are settled disputes or minor violations. Learn how to evaluate them.

Customer Dispute

January 2019

Denied

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Other Business Activities

Melissa is a member of Money Matters in Marriage, an organization that helps couples communicate about finances. She dedicates about 10-20% of her time to this activity, including time during security trading hours.