St. John & Associates offers investment management using model portfolios, along with personal financial planning services. Financial planning covers areas like cash management, debt financing, insurance, college funding, tax planning, and estate planning. Clients can choose between full financial services, portfolio management plus limited financial services, or portfolio management only. Portfolios are tailored to client needs and risk profiles, using diversified equity and alternative investment strategies.
Fee Structure
St. John & Associates offers three investment management service levels, each with different fees:
- Portfolio Management Only: Fees range from 1.00% to 0.40% annually, depending on the amount you invest. A minimum of $250,000 is required, but this may be negotiable.
- Portfolio Management Plus (Limited Financial Services): Fees range from 1.50% to 0.60% annually, depending on the amount you invest. A minimum of $250,000 is required, but this may be negotiable.
- Full Financial Planning and Services: Fees range from 2.00% to 0.80% annually, depending on the amount you invest. A minimum of $250,000 is required, but this may be negotiable.
Fees are charged quarterly. Some clients have accounts managed through Orion/TD Ameritrade (now Schwab) with a 1.0% annual fee charged monthly by Orion.
