Pricing
Why Client-Friendly Pricing can Change your Financial Future
Annual Fee Comparison
Why Fees Matter
Traditional advisor fees* often stay near one percent until portfolios reach very high levels. This means most investors pay higher rates for years before ever seeing a meaningful reduction, which quietly reduces long-term returns even when markets perform well.
At Cloyd Capital, our rates start lower and decrease faster. Each portion of your portfolio moves into lower-cost tiers more quickly, so your average fee drops sooner as your assets grow. You’ll always know exactly what you’re paying, and in most cases it’s significantly less than the industry average. Fees are automatically deducted from your account, so there’s nothing to track or pay manually.
The table on the right compares our pricing to typical advisor fees across different portfolio sizes. The difference is clear: our faster-declining rates can reduce your costs by thousands each year, and those savings compound over time to help you build wealth more efficiently.
Already retired? Fees could be the deciding factor in whether your money lasts you all the way through retirement.
Want to see your personalized numbers? Use the calculator below to compare for yourself.
| Portfolio Value | Our Fee | Avg. Advisor Fee* | Annual Savings |
|---|---|---|---|
| <$50K | 0.85% | 1.25% | $100 |
| $50K to $99,999 | 0.70% | 1.25% | $413 |
| $100K to $499,999 | 0.55% | 1.10% | $1,650 |
| $500K to $999,999 | 0.40% | 1.00% | $4,500 |
| $1mm to $1,999,999 | 0.30% | 0.85% | $8,250 |
| $2,000,000+ | 0.25% | 0.65% | $12,000+ |
Interactive Calculator
Run the Numbers: Cloyd Capital vs. Typical Advisor
*Fee comparisons are based on a traditional AUM (assets under management) model using marginal tiered billing, consistent with current industry practices. Rates were derived from leading industry researchers, including Kitces.com’s 2025 article “How Financial Advisors Actually Charge for Their Services” and The Kitces Report, Volume 2 (2024). Calculator assumes 7% normal return, 5% return in retirement, and annual withdrawals of 4% of initial balance during retirement.