Wealth Management Services: Wealth management includes both financial planning and investment management. For our Wealth Management clients, our fees are as follows:

Investable assets below $1 million: 0.95% per year

Investable assets between $1 million - $2 million: 0.80% per year

Investable assets above $2 million: 0.65% per year

All of our fees are negotiable.

Meritum Wealth Management has the discretion to waive fees for tax preparation services depending upon the size of the client’s portfolio management account.

Insurance Services: Insurance services include health insurance, life insurance, dental insurance, vision insurance, disability insurance, long-term care insurance, and annuities. Anytime we help clients find a suitable insurance policy for their needs, we are paid a commission. Since we are fiduciary advisors, we strive to disclose any conflicts of interest. Any insurance commissions are paid to us directly from the issuing insurance company, and not out of your pocket.

Business Retirement Plan Services: Business retirement plan services includes the implementation and management of your business’ retirement and benefits plan. There are many types of retirement plans that can be utilized for your business’ needs - with various costs and fees associated with each different type.

For business owners seeking retirement plan services our investment management fee is 0.25% - 0.50% of investable assets within the plan per year + any additional fees and costs associated with the administration of your business’ specific retirement plan.

We do not charge any fees for an initial consultation. Even better, we do not charge any fees until you decide you trust us enough to become a client - no matter how many times we meet.

Our goal is to build long-term relationships with clients. We want to get to know you and be sure that we are good for each other. The best way to ensure that we will be a good fit for each other is to get to know each other first. For that reason, we do not charge a fee for initial consultations.

We believe that your life savings shouldn’t be someone else’s quarterly sales goal. As Registered Investment Advisor (RIA) firm, we are legally required to put your best interests ahead of our own at all times, which is frequently not the case at large firms. Our independence offers us the ability to offer more services, unlimited flexibility, and conflict-free advice without having to meet the “sales quotas” of corporate management.

For the best interest of your clients and their savings, we use a 3rd party custodian (Interactive Brokers) for our clients’ accounts, allowing us the same investment services and capabilities of a larger firm, but with more flexibility and a personal touch from a personal advisor.

While it is true that some people may be capable of handling the complex tasks of keeping up with their own investments, tax planning, estate planning, and company benefit plans on their own - but the truth is that most individuals find it either far too complicated or simply just don’t have the time, to deal with these matters on their own.

You do not need a financial advisor, personal trainer, nutritionist, accountant, or travel agent - but they can certainly help you achieve your goals faster, easier, and more efficiently.

In addition to investment allocation, active rebalancing, and tax & estate planning, advisors also act as behavioral coaches to help reduce bad decisions and increase good decisions, which can help you achieve your goals faster.

To show our commitment, we consistently strive to pursue further education and designations to further enhance the knowledge, services, and strategies we are able to implement on behalf of our clients. Below you can read about the current designations that are held.

Certified Financial Fiduciary ® - As a Certified Financial Fiduciary®, one must agree to uphold the highest moral, ethical, and fiduciary standards of service when providing advice to potential or existing clients.

• National Association of Certified Financial Fiduciaries

Certified Tax Specialist ™ - Building a financial plan isn’t just dealing with investments. In obtaining the Certified Tax Specialist™ designation, we are able to confidently assist clients in strategic tax planning to increase the effectiveness fo their overall financial plan.

• Institute of Business & Finance

Certified Annuity Specialist ® - Many advisors sell annuities to clients that are not in their best interest. In obtaining the Certified Annuity Specialist® designation, we are able to confidently assist clients in avoiding mistakes when choosing the best annuity for their personal situation.

• Institute of Business & Finance

While the majority of our clients are retirees or business owners, we do also work with a wide variety of clients who have recently experienced a significant life event, including marriage, divorce, death, career change, winning the lottery, receiving an inheritance, or any other significant life event that could warrant the need of financial planning or wealth management services.

When recommending fiduciary advice to our clients, we ask our clients that they follow through with the plans that we create. We want to see you succeed - positive change can only happen when you are ready to do the work and follow the plan.

Schedule a phone call with us today to see if working with an advisor at Meritum Wealth Management would be a good fit for you!

Of course not! While most of our clients are in the southeast Ohio and Tri-State area, we work with clients all over the United States. We pride ourselves on convenience, which is why we tend to meet all of our clients wherever is most convenient for them - whether it be in their homes, at their offices, out for coffee, or virtually.

The first step in getting started is to schedule a call to see if we are potentially a good fit for you each other. Click here to schedule a time for us to talk - or simply give us a call directly.