Fees & Transparency
Simple, Transparent Pricing
Winthrop Partners is a Fee-Only Fiduciary and our fees are straightforward and easy to understand.
We charge a percentage of assets under management, generally, around 1% per year, depending on the size of the portfolio. (For Portfolio’s under $500,000 our fee is 1.5% with a $2,500 minimum.)
There are no hidden layers, no commissions, and no complex pricing structures.
But if you’re evaluating cost, there’s a more important question to ask.
The Better Question
What Is It Costing You Not to Have Advice?
“Our cost is transparent generally around 1%. The real question is what is it costing you not to have an advisor?” Many investors focus on the visible fee.
But the bigger cost is often hidden in decisions, inefficiencies, and missed opportunities.
The Hidden Costs of Going It Alone - Where Investors Can Quietly Lose Money
• Tax inefficiency
Missed Roth conversions, poor withdrawal strategies, unnecessary taxes
• Behavioral mistakes
Selling in downturns, sitting in cash too long, chasing performance
• Misaligned asset allocation
Portfolios that don’t match goals or risk tolerance
• Lack of coordination
Accounts managed in isolation without a clear plan
• No accountability
Good intentions without consistent execution
These don’t show up as a fee.
But over time, they can have a much bigger impact.
The Risk Most Investors Don’t See Your Portfolio May Not Be Built for a Down Market
It’s Not Just Investment Management
“The biggest value we bring is a coordinated plan, where everything is working together in a tax-efficient way. That’s what gives clients clarity and peace of mind.”
Thomas Saunders, Managing Partner
Our role is to help ensure:
• Your portfolio aligns with your goals
• Your tax strategy is optimized
• Your retirement income is structured and reliable
• Your decisions are disciplined—not reactive
Where the Value Comes From
It’s Not Just Investment Management
“The biggest value we bring is a coordinated plan, where everything is working together in a tax-efficient way. That’s what gives clients clarity and peace of mind.”
Thomas Saunders, Managing Partner
Our role is to help ensure:
• Your portfolio aligns with your goals
• Your tax strategy is optimized
• Your retirement income is structured and reliable
• Your decisions are disciplined—not reactive
Retirement Changes the Game - Growth Is Only Part of the Equation
“In retirement, portfolios need to be positioned to withstand downturns while still providing a reliable stream of tax-efficient income.” Without that structure, investors are forced to react to markets.
With a plan, Winthrop clients have confidence regardless of what markets are doing.
Who This Is For?
This approach tends to resonate most with:
• Investors who have managed things on their own
• Individuals nearing or in retirement
• Those who feel they could be doing better—but aren’t sure how
• People focused on cost, but starting to question overall value
“Many investors are focused on the expense, but they’re not always seeing the full cost. In many cases, the fees they’re already paying inside their portfolio aren’t fully visible, so it’s not an apples-to-apples comparison.”
Ryan Carney, CFP®, Partner
The Bottom Line It’s Not About the Fee; It’s About the Outcome
Yes, our fee is typically around 1%.
That’s clear. That’s transparent.
But the real question is:
What is it costing you to go without a coordinated plan?
• In missed tax opportunities
• In avoidable mistakes
• In unnecessary risk
• In lost peace of mind
A good advisor should more than justify their cost.
If they don’t, you shouldn’t use one.
See What You May Be Missing
If you’re evaluating whether advice is worth it, the best place to start is understanding what you may be leaving on the table.