Service & Fee Model
One advisor. One fee.
Everything coordinated.
Every client at Semper Financial works directly with a CFP® fiduciary — no handoffs, no junior associates, no surprises.
Your tier determines what we coordinate on your behalf. Your access to us never changes.
"The difference between our tiers isn't how much attention you receive. It's how much of the coordination work we absorb on your behalf. Every client gets the same advisor, the same fiduciary standard, and the same phone number."
Three Service Tiers — One Standard of Care.
Foundation
Under $1,000,000 AUM
Minimum 1 Schedule Meeting per Year
Investment management and a comprehensive financial plan on the same fiduciary standard as every tier above it. Tax and estate coordination is available and billed separately.
What's Included:
- Diversified portfolio management
- Comprehensive financial plan
- Unlimited advisory conversations
- Annual portfolio review and rebalancing
- Referrals to vetted CPAs and estate attorneys
Available:
- Tax coordination with your CPA · Estate plan coordination with your attorney
Reserve
$1,000,000–$3,000,000 AUM
Minimum 2 meetings per year
Everything in Foundation, plus the full quarterback model — active coordination of your investments, tax strategy, and estate planning. We initiate the conversations, gather the documents, and make sure every professional is working toward the same plan. Billed directly to your CPA and attorney.
Everything in Foundation, plus:
- Active tax coordination
- we quarterback the CPA relationship year-round
- Active estate coordination — we quarterback the attorney relationship
- Proactive planning touchpoints throughout the year
- 2 scheduled meetings per year plus ongoing access
Conceirge
$3,000,000+ AUM
Minimum 3 – 4 meetings per year
Everything in reserve plus we absorb the cost of your personal tax return and estate planning framework - handled by vetted professionals we select and stand behind — and your estate planning framework through LPL’s High Net Worth Planning Team, delivered directly to your attorney.
Everything in Reserve, plus:
- Personal tax return prepared by Semper-selected CPA (cost covered by Semper Financial)
- Estate planning framework via LPL High Net Worth Planning Team — delivered to your attorney (cost covered by Semper Financial)
- Priority scheduling
- 3–4 scheduled meetings per year plus more as needed
Advisory fee schedule — AUM (Assets Under Management) based.
Our annual advisory fee is based on assets under management and decreases as your portfolio grows. Fees are billed quarterly based on the value of your account at the end of each quarter.
Assets Under Management
Under $700,000
$700,001 – $3,000,000
$3,000,001 – $5,000,000
Above $5,000,000
Annual Advisory Fee
—
1.00%
0.75%
0.65%
Tier
Foundation · Annual fee: $7,000 minimum applies
Foundation / Reserve · Annual fee: Rate × AUM
Concierge · Annual fee: Rate × AUM
Annual fee: Average rate x AUM
AUM = Assets Under Management: the total market value of investments managed on your behalf.
Any Client Can Achieve Any Level of Service
We don’t require a minimum asset level to work with Semper Financial Planners. We require a minimum annual fee — because that’s what always delivering at a high level actually costs. Your AUM fee is always credited toward your chosen tier minimum. You only pay the difference. All fees are deducted directly from your investment account — you will never be asked to write a check or pay out of pocket
Example 1: A client with $500,000 in assets pays $5,000 in AUM fees (1%). To unlock the Reserve tier ($10,000 minimum), they pay an additional $5,000 planning fee — deducted from their account, never out of pocket. The full quarterback model is unlocked.
Example 2: A client with $1,000,000 in assets pays $10,000 in AUM fees (1%). This meets the Reserve minimum automatically. No additional fee. Reserve unlocked.
Example 3: A client with $3,000,000 in assets pays $30,000 in AUM fees (1%). This meets the Concierge minimum automatically. Concierge unlocked. Semper Financial absorbs the cost of tax return and estate framework.
What Coordination mean
Tax coordination
We work with your CPA year-round — not just in April. We flag tax-loss harvesting opportunities, Roth conversion windows, and RMD timing before they become problems. At the Concierge tier, we cover the cost of your tax return.
Estate coordination
We know when a will, trust, or LLC is warranted. We work with LPL’s High Net Worth Planning Team to build the framework, then deliver it to your attorney. At the Concierge tier, we cover that cost.
The quarterback role
Your CPA, attorney, and advisor rarely talk to each other. We change that — initiating conversations, sharing relevant data, and making sure every professional is building toward the same plan. Always.
Unlimited access
No meter running between calls. Social Security timing, a business sale, a family inheritance, next year’s taxes— all part of the relationship, not a separate engagement. You call. We pick up.
The Semper philosophy
“I believe in complete transparency. Your AUM fee is the only fee Semper Financial charges. When outside professionals are involved, you will always know what they cost and why they were selected. At the Concierge tier, Semper Financial absorbs those costs because coordinated planning at that level should be a seamless experience — not a series of separate invoices.”
— Jacob Yaklin, CFP® · Founder & CEO
Minimum annual fee is $7,000. For smaller portfolios the effective rate may be higher — we’ll be transparent about that in your first conversation
Yes. Every client receives a comprehensive financial plan regardless of tier — a living document updated as your life changes.
Absolutely. The difference is who pays for outside professionals. At Foundation and Reserve those costs are billed to you. At Concierge, Semper Financial absorbs them.
A CPA selected by Semper Financial — vetted and working directly with us to ensure your return reflects your complete financial picture
Never. All advisory fees are deducted directly from your investment account each quarter. No checks, no invoices, no surprises
Not sure which tier is right for you?
Every relationship starts with a conversation — no commitment, no pressure. We'll tell you honestly which tier makes sense and why