For Clients / Fees

Our fees, set out in plain words.

What you pay depends on the services you choose. Here is how each fee works, when it is paid and what else you may pay, as our Form ADV Part 2A brochure and Form CRS describe it.

  1. Portfolio management fees

    Ongoing portfolio management is charged at an annual rate set by the total assets we manage for you. The fee is figured on your average daily balance and paid monthly.

    Portfolio management fees, Form ADV Part 2A, Item 5A
    Total assets under managementAnnual fee
    $0 to $249,9991.80%
    $250,000 to $999,9991.75%
    $1,000,000 and above1.65%

    Form ADV Part 2A, Item 5A. Fees are generally negotiable.

    The schedule uses flat breakpoints. When an account reaches a higher tier, that tier's single rate applies to the whole balance, not only the part above the line. If an account grows to $1,000,000, for example, the 1.65% rate applies to all of it.

  2. How your rate is set

    Accounts in the same household are added together to set the rate, unless you tell us otherwise.

    Fees are negotiable, based on things like account size, complexity and the relationship. Your final schedule is written into your advisory agreement. Lower fees for comparable services may be available from other sources.

    Each new account carries a one-time $50.00 setup fee in its first year, deducted by the custodian directly from the account. A new account's first month is billed pro rata, for the part of the month that remains.

  3. Advice on assets we do not hold

    We can also give ongoing advice on assets we do not hold and cannot trade, such as savings in an employer-sponsored retirement plan or an account at another custodian. This is called assets under advisement. It has its own fee, on the same three annual tiers as portfolio management.

    The fee is figured on the value of those assets as you report it or as account statements show it. It is billed to you directly, or taken from another account where you have authorized that. If a direct deduction is not available, you can pay by cash, check or wire.

    These fees are paid monthly, in arrears.

  4. Financial planning fees

    A financial plan is priced as a fixed fee or by the hour. There is no charge for an initial consultation.

    A fixed fee is negotiated between $50 and $5,000. It is offered only when the scope of the work can be well defined in advance, and it varies with the complexity of the plan, the time and resources it takes, and the skill and experience of the adviser.

    An hourly fee is between $100 and $300 an hour, depending on the adviser's skill and experience and the complexity of the case. We will not charge you for any hours on a plan beyond 10.

    You are under no obligation to act on a recommendation, or to act on it through us.

  5. Selection of other advisers fees

    If we recommend a third-party investment manager for part or all of your money, you generally pay our advisory fee plus that manager's fee. Your total cost may then be higher than working with one adviser.

    Every fee and arrangement is disclosed to you in writing before you engage the manager. When and how those fees are paid depends on the manager selected.

    How selection of other advisers works

  6. Costs paid to others

    Some costs are not ours, and they are separate from what you pay us: custodian fees, brokerage fees and commissions, the internal management and administration fees of mutual funds (shown in each fund's prospectus), and transaction fees.

    Some investments, such as mutual funds and variable annuities, carry product-level fees that reduce the value of the investment over time. Acrylic does not participate in wrap fee programs, where one stated fee covers management, transaction costs and certain administrative fees.

    You pay fees and costs whether you make or lose money on your investments, and they reduce any amount you make over time.

When fees are paid

If you end an agreement

You can end an advisory agreement or a financial planning agreement without penalty, for a full refund of our fees, within five business days of signing it.

After that, an advisory agreement can generally be ended with 30 days' written notice, and any fee earned up to that date and not yet paid is still due. A financial planning agreement can generally be ended with written notice. You receive the part of the plan already prepared, and a fixed fee paid in advance is refunded in proportion to the work not yet done. Fees paid in advance but not yet earned are refunded within fourteen days.

How we are paid, and the conflicts that creates

Our Form CRS is direct about this. The more assets in your advisory account, the more you pay us, so we have an incentive to increase those assets. With an hourly arrangement, each additional hour we spend increases the fee.

Some of our people are also registered representatives of Brooklight Place Securities, Inc., a broker-dealer affiliated with us through common ownership, or licensed insurance agents. In those roles they may earn commissions, which gives them an incentive to recommend products that pay one, and when our affiliated broker-dealer makes money on your accounts, we benefit as well. You are not required to buy any commissionable product through them, and our advisory fees are not reduced by commissions they receive.

When acting in an advisory capacity through Acrylic, our people are held to a fiduciary standard. Work as a registered representative or an insurance agent is not done through Acrylic, and insurance sales are not made as a fiduciary.

Questions to ask us about fees

  1. Help me understand how these fees and costs might affect my investments.
  2. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?
  3. How might your conflicts of interest affect me, and how will you address them?

Our Form CRS suggests these questions. Ask them before you sign anything. The fee figures on this page come from Item 5 of our Form ADV Part 2A brochure, dated March 3, 2026.

Ask before you decide.

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Illustration. Fees are described in Acrylic Financial's Form ADV Part 2A, Item 5, and Form CRS. Investing in securities involves a risk of loss.