Financial planning fees are based on the time required and complexity of the plan. For asset management (Hapanowicz SWIM program), the annual investment advisory fee varies up to 2.0% of assets, negotiable based on factors like account size and trading activity. Fees are debited quarterly in advance. The minimum household account size is $1,000,000, with exceptions for family members of existing clients ($300,000 minimum). Clients may choose SWIM1 (transaction charges apply) or SWIM2 (higher advisory fee, no transaction charges). Retirement plan consulting fees for sponsors and participants are up to 1% of assets, negotiable.