Investment Fees

You First Financial offers fee-based wealth management services. The fee that you pay covers investment management and all other financial planning services.

Our advisory fees schedule is as follows:

  • 1% for households under $750,000
  • 0.85% for households $750,000 to $1,000,000
  • 0.75% for households between $1,000,000 and $2,000,000
  • 0.50% for households over $2,000,000

In addition to our advisory fees, we utilize investments which may contain a management fee. Management fees can vary from approximately 0.15% to 1.3% depending on the investment type and amount invested.

The advisory fee and management fee combined is known as the Management Expense Ratio (MER). For a typical portfolio of 80% equities and 20% fixed-income, the MER will fall between 1.00% and 2.00% for household balances under $750,000. The same portfolio for a household over $750,000 will have an MER of 0.75% to 1.55%.

The advisory fee paid in a non-registered account may be deductible on your tax return.

View the MER Explained PDF to learn more.

For more information, or if you have any questions, please feel free to contact You First Financial.