Many traditional financial advisors charge a percentage of assets under management (AUM), commonly around 1% annually.

Under this model, the advisor’s fee increases as the portfolio grows, which means clients may pay higher fees over time as their investments compound.

Some investors prefer flat fees because the cost of advice is clear, predictable, and aligned with the value and scope of the financial advice relationship, while others are comfortable with percentage-based structures. The most important factor is whether the advisor provides thoughtful financial planning, transparent pricing, and fiduciary guidance at a fee structure that makes sense and feels comfortable to you.

At Concurrent Wealth Management, we offer an all-inclusive, dollar-based flat fee for comprehensive financial planning with integrated investment management. This structure creates a clear, transparent, and aligned planner–client relationship, allowing the focus to remain on thoughtful strategy, financial decisions, and long-term outcomes rather than on fee complexity.

Clarity around fees often helps clients focus more fully on the financial decisions that matter most.

Both flat-fee and percentage-based (AUM) fee structures can provide valuable financial advice, but they differ in how the cost of advice is calculated. Some investors find that a flat-fee structure helps address trust concerns that can arise when advisory fees are tied to an industry-standard percentage—often around 1%—and increase automatically as portfolio values grow.

Some investors prefer flat fees because the cost of advice is clear and predictable, while others are comfortable with percentage-based structures. The most important factor is whether the advisor provides thoughtful financial planning, transparent pricing, and fiduciary guidance.