†. The level of service is primarily determined by client complexity. Following a thorough discussion of your plans and a comprehensive review of your financial situation, we will provide a fee commensurate with your situation. Service may be terminated with 30-days’ notice.
1. All fees are paid monthly, in advance.
2. There is an additional investment management fee paid to XY Investment Services (XYIS) of 0.35% of total Assets Under Management (AUM). This fee only applies to those assets under direct management with Acadia and XYIS.
3. Meetings will primarily be hosted virtually, but in-person meetings may be available.
4. Acadia uses eMoney for both financial planning services and for the client’s portal.
5. Risk management refers to insurance estimates or calculations such as a life insurance needs analysis
6. TSP = Thrift Savings Plan, a federal employee / military retirement savings plan.
7. Tax preparation services are provided by XY Tax Services (XYTS), in coordination with Acadia Financial Services, LLC. The XYTS fee varies based on the needs of the client. Please inquire for details.
8. A non-qualified plan is a type of tax-deferred, employer-sponsored retirement plan that falls outside of Employee Retirement Income Security Act (ERISA) guidelines.