We charge an annual fee based on a percentage of your assets under management. The fee schedule is negotiable based on the complexity of your financial situation, composition of the account, previous history with us, and related accounts. You can bundle accounts of household members in order to reach a higher total account value and therefore a lower fee level. Fees may be higher or lower than the equivalent Schwab fees depending on the complexity of Spectrum’s managing those assets. We require a minimum household portfolio size of $500,000 to establish an account managed by SFA.