Prices & Services

Pricing and Services

Assets Under Management (AUM) Fees*:

Tier Minimum Investment Maximum Investment Fee Percentage
1 $1,000 $1,000,000 1.3%
2 $1,000,000.01 $2,500,000 0.95%
3 $2,500,000.01 $5,000,000 0.6%
4 $5,000,000.01 And Above 0.3%

*Discounts are available for aggregate contributions, rollovers, deposits, etc of more than $1,000,000. Contact our office for more details.

Personal Financial Planning Fees:

Personal Financial Planning Fees start at $1,000 at can reach $15,000. Please fill out our Complexity Matrix at this link to determine what your fee might be. Financial Planning is offered on a complimentary basis if:

  1. All available investment accounts are managed by Castellum Financial. We do not consider plans offered by your current employer to be "available," or,
  2. Your AUM fees to Castellum equaled $5,000 or more in the past and withdraws did not cause your balance to stop generating $5,000 in fees

Business and Executive Compensation Planning:

$250 per hour with a minimum initial engagement of 10 hours. Please contact us to receive a more extensive quote. Jump to Business & Executive Planning topics by using this link.

Full List of Financial Planning Topics (for reference,not all inclusive):

Education Planing

  • College costs and inflation analysis
  • Educational tax credits
  • Expected family contribution
  • FAFSA review
  • Financial Aid strategies
  • Funding and contribution strategies
  • Grants and other funding sources analysis
  • Parent Plus loans vs Student loans analysis
  • Provide direction on ownership of assets
  • Trust usage for education funding

Estate Planning

  • Beneficiary review
  • Charitable planning strategies
  • Estate tax analysis
  • Explanation of estate planning structures/documents – wills, POA, Trusts, etc.
  • Explanation of general taxation issues of trusts and estates – filing requirements, deadlines, etc.
  • Explanation of types and treatment of trust income - accounting, taxable, distributable
  • Family financial education
  • Generational estate transfer planning strategies
  • Gifting strategies
  • Guidance on ownership titles and titling of assets
  • Guidance on sources of estate liquidity
  • Health Care Directives
  • Analysis of private annuities and family loan strategies
  • Ongoing trust review
  • Sources of estate liquidity
  • Special needs planning
  • Trust planning and education
  • Wealth transfer scenarios

Investment Planning

  • Annual portfolio review
  • Asset allocation selection
  • Dollar cost averaging strategies
  • Investment policy statement development
  • Ongoing risk tolerance assessment
  • Product research
  • Re-balancing strategies

Personal Wealth Planning

  • Cash flow projections
  • Change in lifestyle guidance & updates
  • Debt management and consolidation
  • Mortgage analysis
  • Real estate purchase analysis
  • Expense management
  • Explain various components of cash flow (income, taxes, expenses)
  • Financing and funding analysis
  • Goal prioritization & accountability
  • HSA contributions strategies
  • Major purchase goal analysis
  • Personal financing strategies
  • Provide financial guidance/planning for special circumstances – divorce, disability, job loss, special needs, monetary windfall, etc.
  • Provide guidance and analysis on cash flow management, budgeting, and emergency fund planning
  • Refinance scenarios
  • Savings strategies
  • What if scenarios

Retirement Planning

  • Asset dissipation strategies
  • Assist in the coordination of retirement plan service providers
  • Beneficiary designation planning
  • Contribution limits planning
  • Contribution strategies
  • Education on various retirement plans
  • Employer benefits review
  • Employer plans vs. self directed plans
  • Identifying income in retirement
  • Investment consulting with plan sponsor investment committee
  • Plan participant asset allocation and investment recommendations
  • QLAC Strategy Review
  • Retirement funding solutions
  • Retirement needs analysis
  • Retirement plan choices (IRA, SEP, etc.)
  • Retirement plan strategies and coordination
  • Retirement plan stress testing
  • RMD or 72t calculations and explanations
  • RMD strategies
  • Rollover options
  • Social security & medicare planning

Risk Management

  • Annuity Income Analysis
  • Asset allocation, diversification, and securities research for variable life and/or annuities (provided advisor is not rep/agent of record)
  • Business liability review
  • Cyber risk awareness
  • Disability and health insurance analysis
  • Education on types of insurance, i.e. term vs. permanent, nursing home vs. home care, indemnity vs. reimbursement
  • Existing policy review
  • Liability & Umbrella Insurance analysis
  • Life insurance planning
  • Long term care planning
  • Planning for unforeseen risks
  • Income analysis from insurance policy loans
  • Property and casualty insurance analysis
  • Risk exposure analysis
  • Survivorship income planning

Tax Planning

  • Cost basis review & analysis
  • Delivering accounting opinion
  • Discuss and educate on employee stock options basics, ISOs, NSOs, planning strategies, etc.
  • Identifying AMT issues
  • Income tax illustrations and analysis
  • Income taxation of life insurance and annuity products
  • Investment cost basis research and reporting
  • Itemized deduction review
  • Non-qualified deferred compensation programs
  • Optimal tax strategies
  • Qualified charitable distributions
  • Retirement and HSA deductible contributions
  • Roth conversions
  • Tax diversification strategies
  • Tax implications of various stock plans – Restricted, phantom, SARs, ESPP
  • Tax law changes and projections
  • Tax loss harvesting
  • Tax-managed investments strategies

Ongoing Financial Planning and Maintenance of all of the above


Business Planning

  • Business use of insurance
  • Business value consulting
  • Buy/Sell agreement analysis
  • Cash flow analysis
  • Cash flow and income statement analysis
  • Cash management
  • Deferred compensation plan analysis
  • Employee benefit and retirement plan strategies
  • Employee benefits planning
  • Entity structuring education
  • Financing Strategies
  • Intra-Family and other business transfer techniques
  • Non-Formal Business Valuation
  • Succession or exit planning

Executive Compensation Strategies

  • Deferred comp funding and distribution
  • NUA Strategies
  • Risk concentration strategies
  • Stock option analysis
  • Tax efficient exercise and vesting strategies

Other Services:

  • Brokerage accounts play a limited roll in our firm. These comission based accounts are only used when an account does not meet our advisory minimum of $1,000.
  • Annuities play a limited role at our firm but are appropriate upon occasion. We may bring them up if we feel they are appropriate and can research any questions you may have about their appropriateness for your situation.
  • Life insurance, long term care insurance, and disability insurance are all available through our firm.
  • 529 Plans and other college fund focused accounts.
  • Common Stock
  • Stock Options
  • Mutual Funds
  • Bonds (in Mutual Fund Form only)
  • Municipal Bonds (in Mutual Fund Form only)
  • IRAs
  • Roth IRAs
  • Sep IRAs
  • Individual Accounts (taxable)
  • Joint Accounts (for example a taxable account for a husband and wife)
  • Trust Accounts
  • 529 Plans
  • Term, Universal, and Variable Life Insurance
  • Long Term Care Insurance
  • Annuities (taxable and retirement)
  • Needs Analysis
    • Accumulation for a goal(s)
    • Annuity Income
    • Asset Allocation
    • Asset Protection
    • Business Insurance
    • Disability Insurance
    • Education Goals
    • Estate Planning
    • Human Life Value
    • Life Insurance Need
    • Long Term Care Need
    • Retirement

LPL Financial does not provide tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.