Asset management fees are generally debited from client accounts, with exceptions for held-away accounts like 401(k)s. Fees are negotiable up to a maximum of 1.5% of assets under management, including third-party platform fees, and are billed quarterly in advance. Financial planning fees are fixed or hourly, ranging from $200 to $15,000 (fixed) or $200 to $400+ per hour, depending on complexity. Retirement plan advisory fees are also negotiable up to 1.5% of assets under management and are charged quarterly.