Contact Info

FL Clients: 954.916.2622
CT Clients: 860.567.2567

Services and Fees

NO COST Initial Consultation – Determine the scope and costs of your Plan in 4 easy steps

1. One Meeting
2. Ask Questions, Get Answers
3. Discuss how each of your concerns will be addressed within your Financial Plan and Portfolio Design Report
4. Conclude with complete understanding of the services to be provided

Before the 1st Meeting

Financial Plan and Portfolio Design

Roadmap for your Financial Journey

• Significant Time – in person, phone, e-mail, or traditional correspondence
• Collect all details and documents about your current finances and goals
• Risk Tolerance Survey results applied to profile for risk/reward analysis
• Presentation of Custom Financial Plan and Portfolio Design Report
• Follow-up meeting for questions about your Plan and Portfolio

Fees: Based upon a proprietary formula that reflects the size and complexity of your unique situation. Precise amounts to be determined during Initial Consultation.

Implementation and Monitoring

Our Ongoing Relationship

Caratel’s fee structure reflects our commitment to relationships and sustained communication. After the initial fees for planning services, Caratel’s minimal on-going fees include all of the following services at no additional cost:

• Annual Plan Updates
• Annual Portfolio Design Updates
• Quarterly Portfolio Performance & Re-balancing Reports
• Monthly Statements
• Access to Caratel for any of your financial questions

This level of contact – unique to Caratel – ensures continued compliance with your financial goals and conformity of your portfolio to its original design.

Fees: A sliding scale based upon a percentage of the value of assets monitored by Caratel. The fee adjusts for all capital flows. This fee begins upon implementation of any component of the Financial Plan and/or Portfolio Design Report.

Financial Consulting

For your unique situation which requires a financial expert but is not suited to the comprehensive nature of Caratel’s services we are available on a case-by-case basis.

Fees: $250 per hour plus expenses

• Read an article in Kiplinger's Personal Finance Magazine, Does Your Advisor Make the Grade?