Money is personal.
How your advisor is paid should not be a mystery.
At Redefine Financial, LLC, we believe our compensation should be transparent and straightforward, so you always know what you’re paying and what you’re getting in return. That clarity is part of how we align our interests with yours. This page outlines how our advisory fees work and how we keep the relationship focused on your success.
Our compensation model
Redefine Financial, LLC is a fee-based Registered Investment Adviser. For our advisory services, we charge an asset-based fee that is calculated as a percentage of the investment assets we manage for you.
- Fees are based on assets under management (AUM).
- Fees are typically debited directly from your account on a regular schedule (for example, quarterly in arrears), as described in your advisory agreement.
- The RIA does not receive commissions on advisory assets.
Because our advisory fee is tied to the value of your accounts, our compensation rises or falls with your portfolio. We do better when you do better, which supports a long-term advisory relationship focused on planning, prudence, and outcomes—not on transactions.
Exact fee rates, billing frequency, and any breakpoints or minimums are detailed in our Form ADV and advisory agreement, which you will receive and review before you become a client.
What you receive for your fee
Your advisory fee covers more than just investment selection. It supports an ongoing relationship built around your entire financial picture. Depending on your situation, services may include:
Comprehensive planning
Retirement income planning, risk assessment, and coordination of your overall strategy
Portfolio management
Asset allocation, diversification, monitoring, and rebalancing over time
Risk and behavior guidance
Helping you navigate market volatility, sequence-of-returns risk, and avoid emotion-driven decisions
Ongoing reviews
Periodic check-ins to track progress, update assumptions, and adjust your plan as life changes
Coordination
Collaborating with your tax or legal professionals so your planning works together
We will always clarify which services are included in your advisory relationship and what is covered by your asset-based fee.
No commissions on advisory assets
For advisory accounts managed by Redefine Financial, LLC:
- The RIA’s compensation for advisory services is the asset-based advisory fee.
- The RIA does not receive commissions on transactions within advisory accounts.
This structure is intended to reduce conflicts that can come from transaction-based compensation and to align the advisory relationship with a fiduciary standard of care.
If there are situations where other professionals, custodians, or product providers charge separate fees or expenses—for example, mutual fund or ETF expense ratios, custodial fees, or transaction charges—those will be disclosed by the applicable provider and reviewed with you as part of your onboarding.
Other costs you should be aware of
In addition to our advisory fee, you may encounter other costs associated with investing. Common examples include:
- Fund or ETF expenses – internal expenses charged by mutual funds or ETFs you own
- Custodial or account fees – fees charged by the custodian or platform that holds your assets
- Transaction charges – where applicable, costs for certain trades or services
We believe it is important that you understand not just our fee, but your all-in cost of investing. During the planning and onboarding process, we will walk through these items so you know what to expect.
When and how fees are billed
Advisory fees are typically:
Calculated as a percentage of assets under management, using the methodology described in your advisory agreement (for example, a percentage applied to your account value on a specific date or average balance).
Billed on a regular schedule (commonly quarterly) and deducted directly from your account, as permitted by your custodian and advisory agreement.
You will see advisory fee activity on your account statements, and we encourage you to review those statements and ask questions about anything that is not clear.
Before you become a client, we will provide and review our current fee schedule, Form ADV, and advisory agreement so you can see exactly how fees are calculated and billed in your situation.
FAQ: How we’re paid
So, how do you get paid?
We’re a fee-based Registered Investment Adviser. We charge an ongoing fee based on the amount of money we manage for you—think of it as a small percentage of your investment accounts— and we don’t receive commissions on advisory account transactions.
Does that really put us on the same side of the table?
Yes. When your accounts grow over time, our fee in dollars grows too. If your account value falls, our fee goes down. That structure is intentional: we do better when you do better.
Will I know the fees before I sign anything?
Absolutely. Before you decide to work with us, we walk through the fee schedule in plain English, show how it applies to your situation, and give you the formal disclosure documents so there are no surprises.
Are there any other costs I should know about?
There can be. Things like mutual fund or ETF expenses, custodian or platform fees, and any applicable transaction costs are separate from our advisory fee. We’ll point those out and review them with you so you understand your total cost, not just what we charge.
What if I have questions when I see fees on my statement?
Ask us. If anything on your statement looks confusing, we’ll go through it with you line by line until it makes sense.