For individual clients, the annual fee ranges from 0.20% to 1.00% of assets under management, billed quarterly. Financial planning fees range from $300 to $1,500 and are negotiable. For retirement plans, the managed account service fee is 0.25% of plan assets, also negotiable. The minimum annual fee for retirement plans is $800 or 0.09%, depending on the billing method. Hourly planning engagements are available at $250 per hour. Fees may be waived or reduced at ABGC's discretion.