Pricing
Why Flat Fees Can Change Your Financial Future
Annual Fee Comparison
Why Flat Fees Matter
Traditional advisor fees* often scale with your portfolio. This means the more you save, the more you’re charged. The traditional model quietly reduces your long-term returns, even when markets perform well.
At Cloyd Capital, we take a different approach. We charge flat, transparent fees that don’t balloon as your investments grow. You’ll always know exactly what you're paying, which is almost always significantly less. Fees will be automatically deducted from your account, so you won’t have to worry about paying anything manually.
The table on the right compares our pricing to typical industry fees* across different portfolio sizes. The savings are substantial, often 60–80% less than what you'd pay under a percentage-based model. These savings compound over time and can significantly boost your long-term net worth.
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. Traditional Fee | Annual Savings |
|---|---|---|---|
| < $100K | $300 | $825 | $525 |
| $100K to $249,999 | $750 | $2,188 | $1,438 |
| $250K to $499,999 | $1,500 | $4,563 | $3,063 |
| $500K to $999,999 | $3,000 | $8,625 | $5,625 |
| $1M to $1,999,999 | $5,000 | $16,000 | $11,000 |
| $2M to $2,999,999 | $7,500 | $24,750 | $17,250 |
| $3M to $4,999,999 | $10,000 | $35,250 | $25,250 |
| $5M to $9,999,999 | $15,000 | $54,250 | $39,250 |
| $10M+ | $25,000 | $60K+ | $40K+ |
Run the Numbers: Cloyd Capital vs. Traditional Fees
Interactive Calculator
*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.