Our Fees
How we keep
the lights on
We don’t shy away from talking about money – we do it all day long and understand that people want to know how we’re able to provide complimentary advising and financial planning services. Our portfolio managers charge a management fee of 1.5-2.25%, from which Everything Financial receives a service fee of up to 1% (which reduces as your wealth grows.) Our portfolio managers also earn a small commission from mortgage and insurance products. Our rates are among the lowest in the industry and could save you hundreds of thousands over a lifetime. And since Everything Financial receives the same rate from each provider we work with, we’re not biased toward any one provider, ensuring we truly pick the best solution for your needs.
What does fee for service mean?
A fee-only financial planner is paid directly for their services based on referral fees and commissions from all sources with full disclosure.
Omni Formula financial plans with and without wealth management
- No out-of-pocket cost.
- You will never receive an invoice
- No investment commission sales staff
- 100% transparency and full disclosure of ALL fees
- We receive a 1% service fee from our portfolio managers on your investments
- Our portfolio managers charge a maximum fee of 1.5%
- Total combined service fee and management fee not to exceed 2.5%
Included services
- Completion of a fully customized Omni Formula financial plan to help you reach your financial goals
- Investment management with an ICPM portfolio manager
- Semi-annual and/or annual reviews of your Omni Formula plan
- Regular portfolio reviews
- Access to our wealth management specialists who provide ongoing review and support
Additional services available (prices vary)
- Mortgage financing
- Refinancing Personal income tax preparation
- Corporate income tax preparation
- Our Omni Estate plan
- No out-of-pocket cost
- You never receive an invoice
- No investment commission sales staff
- 100% transparency and full disclosure of ALL fees
- We receive a maximum 1% service fee from our portfolio managers on your investments
- Our portfolio managers charge a maximum fee of 1.5%
- Total combined service fee and management fee not to exceed 2.5%
Included services
- Completion of a fully customized Omni Formula financial plan to help you reach your financial goals
- Investment management with an ICPM portfolio manager
- Semi-annual and/or annual reviews of your Omni Formula plan
- Regular portfolio reviews
- Access to our wealth management specialists who provide ongoing review and support
- A will and power of attorney with an Everything Financial recommended notary
- Legal expenses for refinancing for investment purposes
- Personal tax return filing
Additional services available (prices vary)
- Mortgage financing
- Refinancing
- Corporate income tax preparation
- One-time cost of $5,000 – $7,500 depending on the complexity of the plan
- You own the plan
- Annual reviews at a cost of $1,000 – $1,500 depending on the complexity of the plan
Services
- Completion of a fully customized Omni Formula financial plan to help you reach your financial goals
- Retirement planning
- Life insurance planning
- Tax planning
- Education planning
- Pension planning
- Corporate tax planning
- Estate tax planning
Additional services available (prices vary)
- Mortgage financing
- Refinancing Personal income tax preparation
- Corporate income tax preparation
- Our Omni Estate plan
Clarity, not commissions
Did you know? Many firms claiming to provide expert financial advice are led by commission-based representatives selling products with no incentive to build you a long-term financial plan. At Everything Financial, we are Registered Financial Planners (RFP®), a designation for those who have proven their ability to navigate complex financial strategies and to provide a comprehensive planning process for your lasting success.
