"Fee-Only" Advisors

Deane Retirement Strategies is a "Fee-Only" Investment Advisory Firm

Our sole basis of client compensation is advisory fees. Our "Fee-Only" (commission free) approach to financial and retirement planning and portfolio management allows us to avoid advisor/client conflicts of interest and always place our clients’ best interest first.

Your annual fee is determined by the value of your assets under management with us. As your account value increases, your annual fee percentage incrementally decreases.

Our firm is a credentialed member of NAPFA, The National Association of Personal Financial Advisors, the nation’s leading organization dedicated to the advancement of Fee-Only financial planning and portfolio management. www.napfa.org

INVESTOR TIP:       Mutual Fund Managers Don’t Work For Free...

When you own a mutual fund, the fund charges between .50% and 1.5% annually that you internally absorb. So, if you’re paying a financial advisor 1% annually and also absorbing your mutual funds’ average 1% annual fee, your effective total annual fee is 2%. Even no-load and institutional mutual funds charge you this internal fee that you must then add to your financial advisor’s fee to determine your total fees.

In comparison, our average total annual advisory fee is 1.4%. We do not use mutual funds in our client’s portfolios, thus avoiding the mutual funds’ internal fees.