What does a fiduciary financial advisor charge?

Fiduciary advisors typically charge either a percentage of assets under management (AUM), a flat fee, or an hourly rate. At Rubiq Financial Partners, we use a tiered AUM-based fee structure that decreases as your portfolio grows — ensuring our interests are aligned with yours. We do not earn commissions on investment products.

What is the difference between fee-only and fee-based financial advisors?

Fee-only advisors receive compensation exclusively from client fees and accept no commissions or third-party payments. Fee-based advisors primarily charge fees but may also receive commissions on certain products. Rubiq operates on a fee-based model through Wealthcare Advisory Partners, with full transparency on all compensation.

Are there hidden fees in wealth management?

Reputable fiduciary advisors disclose all fees upfront. Beyond advisory fees, investors should be aware of fund expense ratios, transaction costs, and custodial fees. At Rubiq, we provide a complete fee breakdown so clients understand the total cost of their investment program.

What is a typical minimum investment for a UHNW wealth advisor?

Minimums vary widely among wealth advisors serving ultra-high-net-worth clients. Some require $1M or more, while others assess fit based on complexity and planning needs rather than a strict asset threshold. Contact us to discuss whether our services align with your situation.

Fee Structure | Rubiq Financial Partners

Proudly affiliated with Wealthcare Advisory Partners *

Top 100

RIA Firms • 2025

RIA Ranking

Survey & Ranking • 2025

Top 250 RIAs

Advisors to Watch • 2025

Platform of the Year

Wealth Exemplar Awards

$0B+ Assets Under Management

0+ Affiliated Advisors

0% AUM Growth in 2025

* Statistics reflect Wealthcare Advisory Partners, LLC — our affiliated RIA platform — not Rubiq Financial Partners individually.

Advisory Fees

Your fee schedule,
disclosed in full.

Your Assets Under Management

$2,500,000

$2.5M

$500K $50M+

$37,500

Annual Fee

1.25%

Effective Rate

$9,375

Per Quarter

Fee Tier Breakdown

$500K – $1M 1.25% / yr

$6,250

$1M – $2M 1.00% / yr

$10,000

$2M – $5M 0.90% / yr

$4,500

$5M – $10M 0.75% / yr

—

$10M – $20M 0.55% / yr

—

$20M – $50M 0.45% / yr

—

$50M+

Total Annual Fee $28,750

Estimates are for illustrative purposes only. Actual fees are outlined in your advisory agreement. Fees are charged on a tiered basis — each rate applies only to the portion of AUM within that tier. Minimum account size: $500,000.

View Full Fee Schedule

Every Client Engagement Includes

Comprehensive Planning
Across Every Dimension

Retirement Planning

Income Architecture & Cash Flow Design Distribution Sequencing & Tax Efficiency Deferred Compensation & Executive Benefits RMD Strategy & Legacy Coordination

Investment Planning

Portfolio Asset Allocation Stock Concentration Review Outside Holdings Analysis Time Horizon Strategy

Estate Planning

Wills & Power of Attorney Trusts & ILIT Strategies Estate Tax Planning Charitable Giving

Income Tax Planning

Tax Loss Harvesting Roth Conversion Analysis Cost Basis & Gains Review Deductions & Credits

Insurance Planning

Life & Disability Coverage Long-Term Care Analysis Policy Review & Optimization Risk Gap Assessment

Business Planning

Business Succession Planning Exit Strategy & Liquidity Key Person Insurance Buy-Sell Agreements

Engagements begin with a conversation.

Tell us about your situation — we'll tell you whether we're the right fit.

Planning-Only Engagements

Access our planning tools —
without transferring assets.

Already managing your own portfolio — or working with another advisor — but want access to institutional-grade financial planning? We offer flat-fee planning engagements built around your specific situation. You receive a comprehensive plan; you execute it on your own terms.

Comprehensive Financial Plan

Fee-Based Engagement

A full financial plan covering retirement projections, tax strategy, insurance review, estate planning, and portfolio allocation recommendations. Delivered as an actionable written report with a walkthrough meeting and 90 days of follow-up support.

Ideal for

Self-directed investors who want a professional second opinion on their overall strategy
Professionals approaching retirement who need a clear roadmap but prefer to manage their own accounts
Families navigating a liquidity event, inheritance, or major financial transition
Clients with an existing advisor who need specialized analysis their current team doesn't offer

Planning Fee Schedule

Service	One-Time Fee
Basic Financial Plan	$3,000
Comprehensive Financial Plan	$5,000+
Portfolio Review & Asset Allocation	Complimentary

Download Planning Fee Schedule (PDF)

Transparent, Tiered
Pricing.

Your fee schedule,
disclosed in full.

Comprehensive Planning
Across Every Dimension

Access our planning tools —
without transferring assets.

Relationships begin with
a conversation.

Transparent, Tiered Pricing.

Your fee schedule,disclosed in full.

Comprehensive PlanningAcross Every Dimension

Access our planning tools — without transferring assets.

Relationships begin with a conversation.

Transparent, Tiered
Pricing.

Your fee schedule,
disclosed in full.

Comprehensive Planning
Across Every Dimension

Access our planning tools —
without transferring assets.

Relationships begin with
a conversation.