The maximum annual fee for asset management and portfolio management is 1.25%, negotiable for larger accounts. Fees are calculated and payable quarterly. Financial planning is charged hourly (up to $350/hour) or as a flat fee ($1,500 to $10,000), with a possible retainer. Seminars or workshops may cost $0 to $250. Pension consulting fees are based on a percentage of assets under management, as detailed in the brochure.