What Atlas Charges

We charge an annual fee based on the assets we manage for you:

Over $25,000,000+: 0.30%

$10,000,000 - $25,000,000: 0.40%

$5,000,000 - $10,000,000: 0.60%

$2,000,000 - $5,000,000: 1.00%

Under $2,000,000: 1.20%

For new clients, we typically work with families who have at least $5 million in investable assets.

This fee covers everything: investment management, tax planning coordination, retirement and income planning, estate planning coordination, and ongoing access to us throughout the year. There are no additional charges for financial planning, no hourly fees, no commissions on products we recommend.

Why We Charge This Way

We use an assets-under-management (AUM) fee model for a few reasons:

Our interests are aligned with yours. If your portfolio grows, we benefit. If it shrinks, we make less. We're incentivized to help you build and preserve wealth, not to sell you products.

You know exactly what you're paying. There are no surprise bills for "financial planning" or hourly charges when you need to talk.

It scales with complexity. Someone with $10 million typically has more complex needs than someone with $1 million—more tax planning, more estate coordination, more things to manage. The fee structure reflects that.

With AUM, you're paying for access and aligned advice. If we charged hourly, you'd hesitate to call us with questions. You're not paying by the hour, so there's no friction.

There's No Conflict-Free Fee Model

Every compensation model has tradeoffs. AUM fees create an incentive to keep assets invested with us. Hourly fees can make clients hesitate to call. Commissions create incentives to sell products. Flat fees don't scale with complexity. There's no perfect answer.

We use AUM because we think the tradeoffs are better than the alternatives for the kind of work we do. The incentive to grow your wealth aligns with your goals. You're not watching the clock when you call us. And we're not incentivized to sell you products or push transactions.

The potential conflict—keeping money invested when paying off debt or funding a business might be smarter—is real. Here's how we handle it:

We're fiduciaries. We're legally required to act in your best interest, even when it costs us money. If the right move is to pull money out of your portfolio, we'll tell you that.

Most of our clients have other professionals who review our advice. Your CPA, your attorney, your business partners—they're not shy about questioning recommendations that don't make sense. That accountability matters.

We only work with people who need comprehensive coordination. If you just want investment management, you can get that cheaper elsewhere. We're not competing on portfolio management alone—we're providing integration across your entire financial life. That's not where the conflict lives.

What You're Actually Paying For

When you work with Atlas, you're not paying for investment management alone. You're paying for coordination and integration across your entire financial life.

Here's what that looks like in practice:

Tax planning and execution. We work with your CPA to model strategies throughout the year—Roth conversions, capital gains timing, loss harvesting, IRMAA thresholds. Then we execute on them. You're not the middleman coordinating quarterly tax payments or relaying information between professionals. We handle it and keep you informed.

Investment management. While we don't lead with investment performance, make no mistake—your investments are the engine that drives your plan forward. We're good at this. We invest considerable time bringing you the best options in public and private markets, managing tax-efficiency across accounts, and positioning your portfolio to support your specific goals and timeline.

Estate and legacy coordination. We review your documents, flag gaps or conflicts, and work with your attorney to make sure your beneficiary designations, trusts, and estate plan are aligned. When something changes—a new grandchild, a new law, a new goal—we catch it and act on it.

Retirement and income planning. When to take Social Security. How to draw from your accounts in the most tax-efficient way. What happens if markets drop in year one. How to fund legacy goals while maintaining your lifestyle. We build the model, update it as your life evolves, and help you make confident decisions.

Ongoing access and coordination. You don't have to chase us. If you call or email, you hear back quickly. If something comes up—an opportunity, a question, a decision—we're there to help you work through it. You're not paying by the hour, so there's no reason to hesitate.

When Atlas Probably Makes Sense

You have significant assets and feel like you're managing too many moving pieces on your own

You want a single point of contact who understands your full financial picture

You've worked with advisors before who focused on investments but ignored taxes, estate planning, or the bigger picture

You're entering (or already in) a phase of life where getting this right really matters—retirement, selling a business, receiving an inheritance, or managing generational wealth

When Atlas Probably Doesn't

Your situation is straightforward and you just need someone to manage a portfolio

You want to stay deeply involved in all investment decisions and financial planning

You're focused primarily on finding the lowest-cost option

You don't want to work with someone on an ongoing basis—you're looking for a one-time plan

Is It Worth It?

For the right client, yes. The value we provide goes beyond returns. It shows up in tax savings, in mistakes avoided, in estate plans that actually work, in the peace of mind that comes from having someone you trust watching over everything.

That said, you don't have to take our word for it. We're happy to talk through whether it makes sense for your situation—and if it doesn't, we'll tell you that directly.