Sound Financial Advice

Everybody needs financial help, so TNL Asset Management LLC has no minimum fee or minimum net worth requirements.

It is important to note that we are a fee-only advisor. This means no unnecessary insurance contracts, no 12b-1 front-loaded mutual funds, and no parent company recommended “hot stocks” that could win us a trip to Hawaii. At TNL Asset Management LLC we provide sound financial advice that’s specifically geared toward each client’s needs-period.

We Offer Several Fee Arrangements:

FINANCIAL CHECKUP:

We will analyze your entire financial picture taking into account retirement planning, budgeting, education planning, asset allocation, insurance needs, and any other major financial impacts such as inheritance or home purchase. No assets are turned over to TNL Asset Management LLC under this fee arrangement. Our fee is based on the client’s net worth. Since more wealth usually requires more planning, our fee increases with the net worth.

Net Worth Fee
$ - $ 500,000 $ 1,000
$ 500,001 $ 1,000,000 $ 1,500
$ 1,000,001 $ 2,000,000 $ 2,000
$ 2,000,001 $ 5,000,00 $ 3,000
$ 5,000,001 $ 10,000,000 $ 5,000
Over $ 10,000,000 $ 7,500

Clients will receive an executive summary outlining recommendations including, but not limited to, portfolio allocation, security selection, savings and investment goals, and projected cash flow. An annual follow-up is recommended and available for half the cost of the accompanying chart since we’re already familiar with your situation. The follow-up concentrates mostly on asset allocation, changes in economic status (i.e., income), and investment projections (i.e., interest rates, expected rate of return).

PORTFOLIO MANAGEMENT:

Under this arrangement, fees will be charged monthly based on the total assets under management according to the chart below. For example, the first $100,000 is 100 basis points, the next $400,000 is 90 basis points, the next $500,000 is 80 basis points, and so on. 100 basis points is equal to 1.0%. The financial checkup is included for accounts greater than $500,000.

Assets Under Management

Breakpoints bps
$ - $ 100,000 100.0
$ 100,001 $ 500,000 90.0
$ 500,001 $ 1,000,000 80.0
$ 1,000,001 $ 5,000,000 70.0
$ 5,000,001 $ 10,000,000 60.0
$ 10,000,001 $ 999,999,999 40.0

Compared to the approximate 1.5% average expense ratio of actively managed mutual funds, we feel we offer a relative bargain. Ask yourself these questions:

  • When was the last time your mutual fund manager considered your individual tax situation when buying or selling a security?
  • Is the mutual fund tailored toward achieving your specific goals?
  • Do you know how much you’re paying your mutual fund manager?
  • Do you even know who your mutual fund manager is?
Family Pricing Policy

Simply put, we’ll aggregate all assets under management when applying the fee structure for family members you recommend to TNLAM. For example, your favorite uncle that sold his digital pet rock business, Rock$.com, for five million dollars before the dotcom crash is looking for an investment manager. You recommend that he move his portfolio over to TNLAM. He does and now your $500K account is suddenly billed as if it was $5.5 million because your assets are added to his FOR FEE purposes ONLY.

SPECIAL PROJECTS:

Tell us your needs and we’ll name a price. We can quote an hourly rate or a fixed fee. We have experience with complex and simple trusts, estate planning, partnership holdings, real estate investments, and many other unique financial assets. Projects that commonly fall into this category are:

  • Review and reallocate asset allocation in 401(k), 403(b), 529, and other retirement and education plans.
  • Advise on mortgage refinancing.
  • Establish achievable savings goals for retirement and education planning.
  • Complete federal and state tax forms.