Give your accounts a shared purpose.
Look at your investments together, in the context of what your money needs to accomplish.
One clear fee. No surprises.
You pay a single advisory fee based on the assets we manage. The rate goes down as your assets grow, and it never goes above 1%.
The full schedule.
Each rate applies only to the assets within that tier. Move the slider to see an estimate for your portfolio.
| Assets under management | Annual rate |
|---|---|
| First $1,000,000 | 1.00% |
| Next $1,000,000 (to $2M) | 0.85% |
| Next $1,500,000 (to $3.5M) | 0.75% |
| Next $1,500,000 (to $5M) | 0.50% |
| Next $5,000,000 (to $10M) | 0.40% |
| $10,000,001 and up | Negotiable |
Estimated annual fee$14,250
Blended rate0.95%
At exactly $10,000,000, the published schedule comes to $57,250 a year, a blended rate of 0.57%. Shown for illustration.
Explore our enhanced family-office approach
Your wealth has more moving parts. See how they can work together.
For families with a net worth of $10 million or more, TMB’s Coordinated Family Office Structure brings a broader set of services and professional relationships into focus.
See the work behind this fee
Family net worth of $10M+? Explore our coordinated family-office approach
The far right of the slider is $10 million and up, which opens information about TMB’s family-office services below the estimate.
Illustration only. Fees are billed according to your advisory agreement. See Form ADV Part 2A for complete fee information.
The work behind the fee
Your investments are only part of the picture.
What you own matters. So does how it fits your life.
An advisory relationship brings your goals, investment decisions, spending needs and planning priorities into an ongoing conversation, with a team you know.
You stay involved. You don’t have to work through every decision alone.
Consider the consequences before making a move.
Discuss costs, taxes and competing priorities before acting on a financial decision.
Plan for the money you’ll need.
Connect your investment approach with upcoming expenses, retirement income and longer-term goals.
Have a team to talk it through.
Revisit the plan when your circumstances change, or when the headlines make you question it.
What would we talk through?
Pick the situation that sounds most like yours.
You have retirement accounts, investments and cash serving different purposes.
A conversation can start with what each account is for, how the investments fit together and what needs attention next.
You’re preparing to move from adding to your savings to using them.
A conversation can start with spending needs, available income and the investment and tax questions to review before making withdrawals.
An inheritance, business transition or family change has brought new decisions.
A conversation can start by organizing the priorities, identifying time-sensitive questions and deciding which professionals need to be involved.
A simple planning agenda
| Priority | Question to resolve | People to involve |
|---|---|---|
| Upcoming spending | What money will you need, and when? | You and your TMB advisor |
| Investment decisions | How do your holdings fit your goals and tolerance for risk? | You and the TMB team |
| Tax or estate considerations | Which questions should be reviewed before taking action? | Your TMB advisor and your tax or legal professionals, as appropriate |
Talk this through with us
Illustrative discussion topics, not client results or individualized recommendations.
Could I do this myself?
Yes. Managing your own investments may suit you when you have the time, interest and ability to handle the planning and ongoing decisions.
Working with an advisor is a different choice: paying for an agreed scope of guidance, investment management and coordination.
The question is not simply whether you can do it yourself. It is which responsibilities you want to keep, and which you would value sharing.
Advice has a cost and does not guarantee better investment results. Compare the services, responsibilities and total costs before deciding.
The whole team, the whole plan.
Your advisory fee isn't just for picking investments. It covers the planning and coordination that make the investments make sense.
Planning
- A written financial plan
- Retirement income planning
- Education and gifting strategies
Investing
- Portfolio management in TMB's models
- Rebalancing and tax-aware decisions
- Cash flow reserve management
Coordination
- Working with your CPA and attorney
- Insurance and risk reviews
- Regular reviews with your team
Fee questions, answered plainly.
Still curious? Ask an advisor. We're happy to walk through it.
How is the fee calculated?
The fee is tiered. You pay 1.00% on the first $1 million, 0.85% on the next $1 million, and so on down the schedule. Each rate only applies to the dollars inside that tier, so your blended rate is always lower than the top rate.
Is there anything else I pay TMB?
TMB is paid through the advisory fee described in your agreement. Some investments, such as mutual funds and ETFs, have their own internal expenses, and custodians may charge certain account fees. We'll show you all of it up front. Complete details are in our Form ADV Part 2A.
Who holds my money?
Your assets are held in your name at an independent, third-party custodian. TMB manages the accounts, but we don't hold your money ourselves.
Is there an account minimum?
We work with people at every stage, including young professionals just getting started. Start with a conversation and we'll talk about the right fit.
What about portfolios above $10 million?
Fees for assets above $10 million are negotiable. We'll put a schedule in writing before you sign anything.
Know what you pay.
Understand what you receive.
Tell us what you manage today and where you would welcome another perspective. We’ll discuss how TMB’s services fit your needs, and what they cost.