Service Models
Our mission is to provide clarity on the opportunities ahead through a comprehensive approach to wealth management. Our services structure is designed to support clients across various life stages and planning needs. We offer two primary services models: ongoing advisory services and project-based consultations. During our initial introductory meeting we will determine which service model best aligns with your needs. Our pricing model reinforces our focus of providing transparent fees for the clients we work with.
*Following the delivery of any written material, clients can elect to engage in ongoing services from Crystal Oak.
Ongoing Advisory Services
Project-Based Consultations
$200 per Month
Clients engaged in ongoing financial planning will receive a full financial plan as well as an accountability structure and education plan for the next three years during the plan delivery meeting. Following the delivery of your financial plan, we will schedule our first strategy meeting. Each strategy meeting will consist of goal updates, an educational review of your financial plan, and action items to consider for the next 60 to 90 days. If at any time you wish to terminate our engagement, we require written email notice.
Clients engaged in ongoing investment management will receive a custom investment portfolio based on their risk tolerance, time horizon, and investment objectives. The portfolio construction will include a strategic target allocation as well as a tax aware investment plan. Following the delivery of your investment recommendations, we will schedule our first strategy meeting. Each strategy meeting will consist of goal updates, an opportunity for you to ask questions about your financial situation, and a review of your investment performance and portfolio allocation. If at any time you wish to terminate our engagement, we require written email notice.
The fees charged are assessed quarterly. The fee steps down at each breakpoint, Crystal Oak does not blend AUM fees.
| Assets Under Management (AUM) | Annual Fee Rate |
|---|---|
|
First $1M |
0.80% |
|
$1M to $2.5M |
0.70% |
|
$2.5M to $10M |
0.60% |
|
$10M+ |
0.50% |
$4,000 to $10,000
Clients interested in receiving a one-time financial plan will receive a full financial as well as an executive summary of strategic recommendations for the client to implement the plan on their own. Crystal Oak will provide a written summary of the client’s financial situation and an interactive excel workbook to help structure future accountability. The minimum fee for a one-time financial plan is $4,000. Depending on the client situation and financial complexity, Crystal Oak reserves the right to negotiate a larger fee, not to exceed $10,000. Once the planning agreement is signed, an invoice for half of the fee will be provided to the client. The remaining amount of the fee will be collected prior to the delivery of the written financial plan and auxiliary materials via email. Our engagement ends following the email delivery of the written materials.
Following the delivery of any written material, clients can elect to engage in ongoing advisory services from Crystal Oak. Please note, project-based consultations fees will only be credited towards any monthly Ongoing Financial Planning fees. Investment management services are outside the scope of our ongoing financial planning services.
$100 per Hour
Clients interested in paying for a short-term planning project will determine their stated objective. Crystal Oak will provide a quote based on the client’s stated objective, current situation, and financial complexity for the number of hours required to complete the project. The client can expect to receive a written summary of action items to accomplish their stated goal. The written materials will not be delivered until the negotiated fee is collected. Our engagement ends following the email delivery of the written materials.*
Following the delivery of any written material, clients can elect to engage in ongoing advisory services from Crystal Oak. Please note, project-based consultations fees will only be credited towards any monthly Ongoing Financial Planning fees. Investment management services are outside the scope of our ongoing financial planning services.
Ongoing Advisory Services
$200 per Month
Clients engaged in ongoing financial planning will receive a full financial plan as well as an accountability structure and education plan for the next three years during the plan delivery meeting. Following the delivery of your financial plan, we will schedule our first strategy meeting. Each strategy meeting will consist of goal updates, an educational review of your financial plan, and action items to consider for the next 60 to 90 days. If at any time you wish to terminate our engagement, we require written email notice.
Clients engaged in ongoing investment management will receive a custom investment portfolio based on their risk tolerance, time horizon, and investment objectives. The portfolio construction will include a strategic target allocation as well as a tax aware investment plan. Following the delivery of your investment recommendations, we will schedule our first strategy meeting. Each strategy meeting will consist of goal updates, an opportunity for you to ask questions about your financial situation, and a review of your investment performance and portfolio allocation. If at any time you wish to terminate our engagement, we require written email notice.
The fees charged are assessed quarterly. The fee steps down at each breakpoint, Crystal Oak does not blend AUM fees.
| Assets Under Management (AUM) | Annual Fee Rate |
|---|---|
|
First $1M |
0.80% |
|
$1M to $2.5M |
0.70% |
|
$2.5M to $10M |
0.60% |
|
$10M+ |
0.50% |
Project-Based Consultations
$4,000 to $10,000
Clients interested in receiving a one-time financial plan will receive a full financial as well as an executive summary of strategic recommendations for the client to implement the plan on their own. Crystal Oak will provide a written summary of the client’s financial situation and an interactive excel workbook to help structure future accountability. The minimum fee for a one-time financial plan is $4,000. Depending on the client situation and financial complexity, Crystal Oak reserves the right to negotiate a larger fee, not to exceed $10,000. Once the planning agreement is signed, an invoice for half of the fee will be provided to the client. The remaining amount of the fee will be collected prior to the delivery of the written financial plan and auxiliary materials via email. Our engagement ends following the email delivery of the written materials.
Following the delivery of any written material, clients can elect to engage in ongoing advisory services from Crystal Oak. Please note, project-based consultations fees will only be credited towards any monthly Ongoing Financial Planning fees. Investment management services are outside the scope of our ongoing financial planning services.
$100 per Hour
Clients interested in paying for a short-term planning project will determine their stated objective. Crystal Oak will provide a quote based on the client’s stated objective, current situation, and financial complexity for the number of hours required to complete the project. The client can expect to receive a written summary of action items to accomplish their stated goal. The written materials will not be delivered until the negotiated fee is collected. Our engagement ends following the email delivery of the written materials.*
Following the delivery of any written material, clients can elect to engage in ongoing advisory services from Crystal Oak. Please note, project-based consultations fees will only be credited towards any monthly Ongoing Financial Planning fees. Investment management services are outside the scope of our ongoing financial planning services.
Project-Based Consultations
$4,000 to $10,000
Clients interested in receiving a one-time financial plan will receive a full financial as well as an executive summary of strategic recommendations for the client to implement the plan on their own. Crystal Oak will provide a written summary of the client’s financial situation and an interactive excel workbook to help structure future accountability. The minimum fee for a one-time financial plan is $4,000. Depending on the client situation and financial complexity, Crystal Oak reserves the right to negotiate a larger fee, not to exceed $10,000. Once the planning agreement is signed, an invoice for half of the fee will be provided to the client. The remaining amount of the fee will be collected prior to the delivery of the written financial plan and auxiliary materials via email. Our engagement ends following the email delivery of the written materials.
Following the delivery of any written material, clients can elect to engage in ongoing advisory services from Crystal Oak. Please note, project-based consultations fees will only be credited towards any monthly Ongoing Financial Planning fees. Investment management services are outside the scope of our ongoing financial planning services.
$100 per Hour
Clients interested in paying for a short-term planning project will determine their stated objective. Crystal Oak will provide a quote based on the client’s stated objective, current situation, and financial complexity for the number of hours required to complete the project. The client can expect to receive a written summary of action items to accomplish their stated goal. The written materials will not be delivered until the negotiated fee is collected. Our engagement ends following the email delivery of the written materials.*
Following the delivery of any written material, clients can elect to engage in ongoing advisory services from Crystal Oak. Please note, project-based consultations fees will only be credited towards any monthly Ongoing Financial Planning fees. Investment management services are outside the scope of our ongoing financial planning services.
Project-Based Consultations
Clients who engage in our ongoing advisory services will receive a Crystal Oak Planning Profile through eMoney Advisor, our primary financial planning software. Your client profile will serve as your primary hub for your financial situation.
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- All content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Nor is it intended to be a projection of current or future performance or indication or future results.
- Opinions expressed herein are solely those of Crystal Oak Wealth Management, LLC. and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by Crystal Oak Wealth Management, LLC. an Investment Advisor in the State of Arkansas. Being registered as an investment adviser does not imply a certain level of skill or training. Insurance products and services are offered through Paul E. Schuder, Jr., Sole Proprietor, an affiliated company.
- The information contained herein should in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the States of Arkansas and Texas, or where otherwise legally permitted.