What's the minimum investment?

$10,000. If you're below that but want CFP® professional guidance, our Automated Investing w/Guidance (VR Robo) service starts at $1,000.

How much does it cost?

An all-inclusive annual fee capped at 1.25% of your total account value, billed quarterly. That fee covers everything: third-party strategists, custodian, record-keeping, trading, strategy, and administrative costs — no additional layers on top. As your relationship value grows, the fee tier may be reduced.

Where are my accounts held?

At an independent third-party custodian — either LPL Financial or Fidelity, depending on the account structure. Vision Retirement never takes custody of your assets. You keep 24/7 direct online access through the custodian's portal, and statements come from them, not us.

How does billing work?

Fees are calculated quarterly based on your account value and either deducted directly from your account or billed separately — your choice. Every invoice is itemized so you see exactly what you're paying, with no hidden fees, no proprietary product markups, and no commissions.

Yes. Vision Retirement is a registered investment advisor (RIA), which means we're legally and ethically required to put your interests ahead of our own — throughout the entire relationship, not just at the point of sale. That's different from broker-dealers and many large national firms, which are held to a lower 'suitability' standard and can recommend products that pay them bigger commissions.

What's your investment approach?

Evidence-based. Rather than betting on our own market predictions (or anyone else's), we build portfolios using decades of research-based data from the third-party strategists we partner with. Your specific portfolio is personalized to your risk tolerance, goals, and time horizon — and continuously monitored and actively managed as markets and your life change.

How often will I hear from you?

You'll have a scheduled one-on-one investment review with your CFP® professional every quarter. Between reviews, your portfolio is being continuously monitored and adjusted — you don't need to call us to trigger a rebalance. And of course, you can reach out anytime a life event (job change, inheritance, big purchase) changes the picture.

What's the difference between this and Automated Investing w/Guidance (VR Robo)?

Fiduciary Investment Management is our fully customized, actively managed service — $10,000 minimum, up to 1.25% annually, quarterly one-on-one reviews, with access to individual securities, mutual funds, and ETFs. Automated Investing w/Guidance is a lower-cost, lower-touch option built on Betterment's platform — $1,000 minimum, 0.75% annually, annual reviews, ETFs only. If you want an advisor actively driving decisions, choose FIM. If you're a more hands-off investor comfortable with algorithmic management, VR Robo is a fit.

What if I want to leave?

You can end the relationship at any time — there's no lock-up, no surrender charges, no exit fees. Your accounts stay with the custodian; we simply stop managing them and stop billing you. If you want to move assets to another advisor, we'll help facilitate the transfer.

Your portfolio, actively managed — by a fiduciary, in your best interest.

An in-house team of CFP® professionals builds a portfolio around your goals, risk tolerance, and timeline — then actively manages it through every market cycle, so you don't have to.

Schedule a FREE Discovery Call

A free 15-minute call first — no cost, no obligation. We'll see if fiduciary investment management is the right fit.

Whether you’re striving to accumulate or preserve wealth, our fiduciary investment management service is here to help.

Investing isn’t easy. Success requires you stay abreast of global financial markets with the ability to identify/analyze potential risks and opportunities, all while balancing the right amount of risk and return within your portfolio.

These activities are time-consuming and can breed expensive mistakes if you aren’t disciplined—not to mention the oft-complicated tax implications that accompany every investment decision!

Thankfully, our fiduciary investment management service eradicates these emotional and time-draining barriers and places the burden on the experts: our in-house team of CFP® professionals and network of third-party strategists.

We’ll review your specific situation and develop personalized investment strategies based on your risk tolerance, goals, and time horizon. When implementing the plan, we’ll continuously monitor your investments and actively manage your account to ensure it remains on strategy. You’ll also engage in a one-on-one quarterly investment review with your financial advisor for additional insight.

Pricing and Other Considerations

Fees

Annual service fees are all-inclusive, covering third-party strategists, custodians, record-keeping, trading costs, and both strategy and administrative fees. These fees are capped at 1.25% of your total account value and may be reduced as your relationship value increases. The minimum investment is $10,000.

Account details

Quarterly fees are either paid directly from your account or billed separately, and you can access your statements online or via postal mail. Investment vehicles include individual securities, mutual funds, and exchange-traded funds (ETFs).

Schedule a FREE Discovery Call

Frequently Asked Questions

$10,000. If you're below that but want CFP® professional guidance, our Automated Investing w/Guidance (VR Robo) service starts at $1,000.
An all-inclusive annual fee capped at 1.25% of your total account value, billed quarterly. That fee covers everything: third-party strategists, custodian, record-keeping, trading, strategy, and administrative costs — no additional layers on top. As your relationship value grows, the fee tier may be reduced.
At an independent third-party custodian — either LPL Financial or Fidelity, depending on the account structure. Vision Retirement never takes custody of your assets. You keep 24/7 direct online access through the custodian's portal, and statements come from them, not us.
Fees are calculated quarterly based on your account value and either deducted directly from your account or billed separately — your choice. Every invoice is itemized so you see exactly what you're paying, with no hidden fees, no proprietary product markups, and no commissions.
Yes. Vision Retirement is a registered investment advisor (RIA), which means we're legally and ethically required to put your interests ahead of our own — throughout the entire relationship, not just at the point of sale. That's different from broker-dealers and many large national firms, which are held to a lower "suitability" standard and can recommend products that pay them bigger commissions.
Evidence-based. Rather than betting on our own market predictions (or anyone else's), we build portfolios using decades of research-based data from the third-party strategists we partner with. Your specific portfolio is personalized to your risk tolerance, goals, and time horizon — and continuously monitored and actively managed as markets and your life change.
You'll have a scheduled one-on-one investment review with your CFP® professional every quarter. Between reviews, your portfolio is being continuously monitored and adjusted — you don't need to call us to trigger a rebalance. And of course, you can reach out anytime a life event (job change, inheritance, big purchase) changes the picture.
Fiduciary Investment Management is our fully customized, actively managed service — $10,000 minimum, up to 1.25% annually, quarterly one-on-one reviews, with access to individual securities, mutual funds, and ETFs. Automated Investing w/Guidance is a lower-cost, lower-touch option built on Betterment's platform — $1,000 minimum, 0.75% annually, annual reviews, ETFs only. If you want an advisor actively driving decisions, choose FIM. If you're a more hands-off investor comfortable with algorithmic management, VR Robo is a fit.
You can end the relationship at any time — there's no lock-up, no surrender charges, no exit fees. Your accounts stay with the custodian; we simply stop managing them and stop billing you. If you want to move assets to another advisor, we'll help facilitate the transfer.