Disclosures.

How we are paid.

On Point Wealth is compensated only by fees paid directly by clients. Planning fees are flat, agreed in writing before any work begins, and billed quarterly in advance. Investment management fees are a percentage of the assets we manage, billed quarterly in arrears, on the schedule published on the pricing page.

Neither the firm nor any person associated with it receives commissions, trailing fees, revenue sharing, referral fees, soft dollar benefits or any other compensation from a third party in connection with recommendations made to clients. No associated person is licensed to sell securities or insurance on a commission basis.

Conflicts of interest

Because management fees rise with the balance we manage, we have an incentive to recommend that you place assets under our management rather than, for example, pay down a mortgage or hold cash elsewhere. We address this by writing the plan before any management agreement, by charging the same planning fee whether or not you hire us for management, and by documenting the reasoning for any recommendation to add assets to a managed account.

Advisers at the firm invest their own money in the same funds recommended to clients. Personal trades in those funds are permitted and are reviewed quarterly by the firm's compliance officer.