Your FEE-ONLY Fiduciary Advisor, and Our Minimum Portfolio Requirement
DeGreen Capital Management is your FEE-ONLY fiduciary advisor. We have no hidden agenda. Your interests always come first. Keith DeGreen invests in the same program as our clients.
Our minimum new-client aggregate portfolio requirement is $500,000. Most clients invest more; but all clients who meet these minimums are welcome. Most clients have more than one account with us – perhaps, for example, an IRA and a taxable account. Provided no sub-account is less than $50,000, you may aggregate your accounts to meet our minimum requirement. We will always calculate your aggregate amounts under management to provide the lowest fee possible. You are never penalized if your account value dips below your initial invested amount due to market losses. You may add any amount once your accounts are established.
Your Investment Suitability Interview with Keith
Your Personal Investment Suitability Interview with Keith DeGreen is an important first step toward achieving your financial goals.
Please call us today at (480) 609‐9900 to request your no-obligation interview with Keith. Your interview is a professional, diagnostic review of your specific situation and needs. It is not a sales pitch. At your interview we will first determine whether what we do is appropriate for you. If not, Keith will be the first to say so.
Keith will then explore your specific situation with you, including your investment history, your objectives and cash needs, investment timeline, risk tolerance and many other factors. Together, you will objectively examine the inherent historical volatility and performance range of our 15 risk-adjusted portfolios during at least the past ten years (reported in GIPS-compliant format), to select the risk-adjusted approach best for you. Our goal is to assume as little volatility as possible to accomplish your specific objectives.
When you schedule your appointment, we will send you an important, exclusive Orientation Video, and a questionnaire to review. We will also provide a list of documents you should bring to the meeting. We will assist you throughout the process. Because of the importance of this meeting, spouses are required to attend.
We sincerely look forward to being of assistance.
Our Fees and Other Helpful Tips:
Lower Costs. Often, even after our fee, our managed ETF portfolio program costs less than it costs you to invest in actively-managed mutual funds without professional guidance. This is because the exchange-traded funds (ETFs) we use cost a small fraction of typical mutual funds. Our annual fees are deducted quarterly.
Our Investment Advisory Agreement includes additional important details regarding our fees and services. A copy is available upon request.
Tip: You do not “diversify” by having multiple managers. It is your manager’s job to diversify for you. ETFs are the most diversified of all investments. When you use multiple managers, they may not know what the other managers are doing for you. This frequently causes investment and cost redundancy, and may increase your overall risk.
Our Fee Schedule: Our fees at DeGreen Capital Management (DCM) are expressed as an annual percentage of the aggregate value of your assets under our management, regardless how many accounts we manage for you.
Break Points Save You Money. When you reach a fee “break point” with us, we charge a lower percentage back to the first dollar. Therefore, reaching the next “break point” will typically save you thousands of dollars annually.
DeGreen Capital Management
Maximum Fee Schedule
|If the Aggregate Value of your
Investments With Us Is:
Annual Fee Will Be:
|$250K – $499,999||1.59%|
|$500K – $999,999||1.49%|
|$1M – $1.999M||1.35%|
|$2M – $2.999M||1.19%|
|$3M – $4.999M||1.00%|
|$5M – $9.999M||.85%|
Other Expenses: The fees above cover all portfolio management fees at DCM. You are not charged more for third-party advisors. There are also two additional expenses we all incur within our portfolios:
- Charles Schwab Transaction Charges. Schwab charges $4.95 per transaction. DCM does not receive any portion of these fees.
- ETF fees. All ETFs charge a small management fee, typically called an “expense ratio”. These are subtracted from the total return numbers ETFs produce, and are not charged separately. ETF expense ratios are usually a small fraction of the fees typically charged by actively-managed mutual funds. At DCM, our ETF blended expense ratio averages a tiny 25 basis points (25/100ths of one percent) per year across our 15 risk-adjusted portfolios.
- Other potential fees. At DCM we reserve the right to use specialty mutual funds. This is something we rarely do, but these funds do charge management fees that are typically greater than ETF fees.
Remember: DeGreen Capital Management is a leader in low-cost ETF investing. Clients who previously invested in actively-managed mutual funds, for example, often discover that our approach is significantly less expensive, even after our fee is applied.