Pricing.

Every client relationship begins with a written Retirement Blueprint, built and led by a CERTIFIED FINANCIAL PLANNER™ professional. Your investments, taxes, retirement income, Social Security and estate documents are planned together, not separately.

Included in every plan.

Every plan includes custom recommendations, clear deliverables and guided implementation. Annual renewals are available for ongoing support.

  • Built and led by Nicholas St George, CFP®, CRPC®, CPFA, BFA. You work directly with me from the first meeting through implementation.

  • Tax return analysis with Holistiplan. We review your actual tax return to find planning opportunities. This is planning analysis, not tax preparation, and we coordinate with your CPA.

  • Estate documents at no additional cost. Wills and trusts are prepared through our attorney-supported partner platform, and we cover the cost. (St. George Wealth Management does not provide legal advice.)

  • Retirement income and Social Security strategy. This covers when to claim, which accounts to draw from first, and how to keep taxes on withdrawals down.

  • Your written Retirement Blueprint, plus guided implementation. We help you put the plan into action.

The planning tiers.

The tier depends on the complexity of your financial life and the level of strategy it takes. Every tier is a 12-month engagement. Fees start at the levels shown and may increase based on what we uncover together.

  • Harbor Plan

    Starts at$6,000/year

    or $500/month

    Foundational planning. Budgeting and cash flow, retirement projections, a risk review and basic investment alignment. Best if you’re 10+ years from retirement and want a strong foundation.

  • Mariner Plan

    Starts at$9,000/year

    or $750/month

    Expanded strategy. Everything in Harbor, plus tax strategy and optimization, education planning and an insurance review. Ideal for families 5–15 years out who need everything coordinated.

  • Admiral Plan

    Starts at$12,000/year

    or $1,000/month

    Advanced coordination. Everything in Mariner, plus business planning, charitable-giving strategy, family governance and direct coordination with your CPA and attorney. For business owners, high-complexity households and those already in the Red Zone.

How planning fees work.

A financial plan is required to become a client, including for investment management. Financial planning is a separate professional service from investment management.

  1. Pay in full for the year up front, or in 12 monthly installments. The total is the same either way.
  2. Estate documents are included in every tier and released once your annual fee has been paid in full. Paying up front means you can start your estate plan right away.
  3. Year-two waiver: starting in your second year, the planning fee is waived when St. George Wealth Management manages $500,000 or more for your household.

Investment management.

If you’d like us to manage your portfolio, we offer long-term, tax-aware investing designed to complement your financial plan, not chase headlines.

  • Custom asset allocation
  • Ongoing rebalancing
  • Tax-smart strategies
  • Active monitoring to keep you on course
Annual investment management fee by portfolio value
Portfolio valueAnnual fee
Up to $400,0001.25%
$400,001 – $999,9991.10%
$1M – $2.99M1.00%
$3M – $5.99M0.90%
$6M – $8.99M0.80%
$9M+0.70%

The fees for your engagement are set out in the applicable client agreement. St. George Wealth Management is a fee-based practice. When providing investment advisory services, we act as a fiduciary; we also offer brokerage services through LPL Financial, which are provided under a different standard of care. Compensation may differ depending on the services provided. Please ask for our disclosure documents, including Form CRS and the applicable Form ADV brochure, for details on services, fees, and conflicts of interest.

Questions about the fees.

How the firm is paid, which tier fits, and how paying monthly differs from paying in full.

See every question
How are you paid?

St. George Wealth Management is a fee-based practice. Planning is a flat fee in one of three tiers, Harbor, Mariner or Admiral, and investment management is a percentage of the assets we manage. The figures are on the pricing page.

When providing investment advisory services, we act as a fiduciary; we also offer brokerage services through LPL Financial, which are provided under a different standard of care. Compensation may differ depending on the services provided.

Do I have to move my investments to work with you?

No. Financial planning is a separate service with its own fee. You can keep your accounts where they are and act on our recommendations yourself. If you later want us to manage your investments, that’s priced separately based on assets.

Investment management
What’s the difference between paying monthly and paying in full?

The total cost is the same. Paying in full releases your estate documents right away. With monthly payments, they’re released once the year’s fee has been paid.

What happens after the first year?

Planning continues as an annual engagement. Clients whose household assets under management meet the $500,000 threshold have their planning fee waived from year two onward.

Which tier is mine?

Most people can tell from the three descriptions. If you cannot, the first conversation settles it. The tier depends on the complexity of your situation, not on the size of your accounts, and we quote it before the work starts.

Is there a minimum to work with you?

Planning has no investment minimum, which suits professionals who are still building and owners whose money is mostly in the business. Investment management has a minimum, so the portfolio is large enough to keep properly diversified and tax-efficient, and we will tell you the figure on the first call.

Already have an advisor?

About half of the people who come to us do. Many of them had not heard from their advisor in a while, and nobody had looked at their tax return. We are glad to be a second set of eyes. Bring the statements and last year's return, and we will tell you what we would do differently and whether it is worth making a change.

Let's talk about where things stand.

Thirty minutes by phone, video or at the office. We'll go through where you are and whether we're the right fit, with nothing to sign and nothing to bring.

  • A written plan first, then the investing.
  • Your tax return read every year, not just filed.
  • A call before there is a problem, not after.
  • Straight answers on how we are paid.

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