Our Typical Wealth Management Client

Our typical wealth management client is preparing for or has entered into retirement and has at least $250,000 in investable assets.  This enables us to offer the full benefits of tactical investment allocations and utilize institutional share classes for our recommended funds.  

For investors with less than that amount, we recommend that you start with a financial plan.  Together, we can determine the best solution for managing your wealth. 

We also serve a number of small business owners who are needing to manage their wealth and may also need to implement a retirement plan for their small business. 

What Is Wealth Management?

Wealth management is an extension of financial planning that coordinates your investments with your overall financial plan.  It is considered to be the most advanced form of financial planning.  Investment planning, tax planning, as well as estate planning, all fall under wealth management.

Protect Your Wealth

The performance of our investments will be one of the biggest drivers of our success. This includes long-term financial goals; such as retirement. You may be building your wealth or you have already attained it. In either case, you need a plan to protect, maintain and further grow your assets. 

This is applicable whether you are just starting to build wealth, needing to protect your retirement nest egg, or desiring to pass down your wealth to the next generation.  Regardless of what phase you’re in, Shepherd Wealth Partners’ wealth management services can help you make financial decisions with confidence and give you peace of mind for your investments.

Our Process

Shepherd is passionate about aligning your investment strategy with your overall financial plan. This enables us to formulate a strategy tailored to help you reach your long-term financial goals.

Once we have a firm grasp on your goals, we utilize a cash-flow based investment strategy.  Assets that might be needed in the next several years are invested using conservative investments such as bonds and cash, while assets that won’t be needed for several years are invested using riskier assets like stocks.  This cash-flow based investing gives your stocks time to recover in case we go through a major bear market or recession.  

Once we develop an overall strategy for your wealth, we then utilize a tactical investment allocation to position your investments in an attempt to both protect and grow your assets as efficiently as possible.  We use a diversified portfolio of mutual funds and exchange-traded funds. 

Our Fees

We are proudly a fee-only fiduciary wealth manager.  That means that we will never accept a commission or sell you any products.  Instead, we charge a transparent fee based on the assets under management. It also means that we are legally obligated to put your interests ahead of our own when it comes to managing your investments. 

Our standard annualized wealth management fees are as follows:  

Less than $1,000,0001%
$1,000,000 up to $300,000,0000.75%
More Than $3,000,0000.50%

* See additional fee details below

Additional Considerations

There are a number of custodians available to utilize for wealth management.  We primarily utilize Fidelity Investments to custody our clients’ assets as a leader in the brokerage industry.  

Additional fee details

* We typically offer complimentary financial planning services for clients whom we manage more than $500,000.

* The advisory fee using the tiered table is a blended fee and is calculated by assessing the percentage rates using the predefined levels of assets as shown in the above chart, resulting in a combined weighted fee. For example, an account valued at $2,000,000 would pay an effective fee of 0.875%. This is determined by the following calculation: ($1,000,000 x 1.00%) + ($1,000,000 x 0.75%) = $17,500.00. Shepherd charges a minimum annual fee of $1,000, which it may waive at its discretion.

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