Lutz Financial offers investment management, financial planning, and retirement plan consulting. Investment management involves creating a portfolio based on your goals, monitoring performance, and rebalancing as needed. Financial planning covers topics like estate and insurance planning. Retirement plan consulting is offered to businesses. Lutz Financial uses mutual funds, exchange-traded funds, and individual bonds. They also offer an automated investment program without ongoing planning services.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.00% |
| $1.0M - $2.0M | 0.75% |
| $2.0M - $5.0M | 0.60% |
| $5.0M - $10.0M | 0.45% |
| $10.0M - $25.0M | 0.40% |
| $25M+ | 0.30% |
Fees are negotiable. Existing clients may be grandfathered under their current fee schedules. Minimum fee of the lesser of 1.50% annually or $1,250 per quarter for clients who fall below Lutz Financial’s minimum assets under management. Firm also offers an Automated Investment Program with a flat 1.00% annual advisory fee.