Financial planning and consulting fees are charged on an hourly basis ($450/hour) or a flat fee basis ($1,500 to $15,000), and are negotiable. Pension consulting fees are charged hourly (maximum $450/hour) or as a percentage of plan assets (no more than 1.00%). Wrap clients do not incur transaction costs for trades by their chosen custodian. Non-Wrap clients may incur transaction fees for trades executed by their chosen custodian based on a percentage of the dollar amount of assets in the account(s).