Investment Management

Assets under management:                                  Annual Fee (charged quarterly with graduating discount):

  Up to $1 Million                                                             1%

  On the next $2 Million                                                   .75%

  For amounts that exceed $3 Million                                .5%

Financial Consultation

There is no charge for continuous regular financial consultations when individuals hold assets under management.  More extensive consultation requests will be charged on an hourly or set fee basis.  These a la carte fees will only be charged if specifically identified and agreed upon by client and advisor before the service is provided.

 *******************

     As an independent, fee-only investment management firm, Rugh Financial is compensated solely by its clients.  Rugh Financial does not accept or pay referral fees or other benefits regarding its recommendation of financial products, nor does Rugh Financial participate in ‘soft-dollar’ programs. This approach means that whether designing investment portfolios or recommending other financial specialists, our only concern is whether a particular choice best serves your long-term needs.

     The above fee structure is only meant as a general guide to the way fees are charged by Rugh Financial.  The endorsed contract between Rugh Financial and the client is what the client should refer to in order to determine the specific fees charged and agreed upon between client and Rugh Financial.

     There may be additional fees charged by third parties such as clearing costs for account maintenance and investment trading costs that are charged by investment companies and third party banking institutions where client funds are held.  Our philosophy is to minimize transaction and maintenance costs wherever possible to maximize the returns for our clients.  Standard fees charged by third parties can and will be disclosed whenever requested by the client.