Retirement Planning Roadmap
Initial no-cost Introductory Meetings
• What brings you to Klaas?
• Discussion of goals and objectives
• Initial observations and suggestions
Planning Meeting
• Document review (statements, paystubs, tax returns, etc.)
• Review services offered relevant to your situation
• Review fee schedules
Presentation/Paperwork Meeting
• Review financial plan
• Discuss recommendations
• Implement recommendations
Financial Planning + Investment Management
Klaas Investment Portfolio Blended Fee Schedule
| Assets Under Management | Annual Fee (paid quarterly) |
| From $0 up to $249,999.99 | 1.20% |
| From $250,000 up to $499,999.99 | 1.10% |
| From $500,000 up to $999,999.99 | 1.00% |
| From $1,000,000 up to $1,999,999.99 | 0.90% |
| From $2,000,000 up to $2,999,999.99 | 0.80% |
| From $3,000,000 up to $3,999,999.99 | 0.70% |
| From $4,000,000 up to $4,999,999.99 | 0.60% |
| From $5,000,000 up to $9,999,999.99 | 0.50% |
| From $10,000,000 up to $24,999,999.99 | 0.40% |
| From $25,000,000 up to $49,999,999.99 | 0.35% |
| Over $50,000,000 | 0.30% |
*Our current fee for the Klaas Investment Portfolio program (program) is a percentage of assets under management in the program, charged on a quarterly basis, in arrears. Fees are calculated on the average daily balance of your account during the prior calendar quarter. The average daily balance is calculated by summing the ending account balance each day during the calendar quarter and dividing the total by the number of days in the quarter. Through the use of average daily balance calculations, fees for partial periods (for new accounts and upon termination) are prorated based on the number of days in the billing period that your account was under management. The program is subject to a minimum annual fee of $1,500, and is calculated according to the fee schedule above. This is a blended tier fee schedule, which means that different fees are applied to the different levels of assets under management.
At our discretion, we may aggregate your related accounts into a “household” for purposes of calculating the total assets under management to meet the breakpoints shown in the schedule above. Generally, a household would include your accounts, accounts of your spouse or partner and minor children residing at your residence, and the accounts of any trust whose beneficiaries are any of the above-described persons. However, Klaas may include or exclude accounts at Klaas’s discretion.
Financial Planning (Advice only)
Klaas360 Comprehensive Financial Planning Services
| Investable Assets | Monthly Program Fee | Initial Fee |
| Up to $1,500,000 | $275 | $1,650 |
| Up to $2,000,000 | $350 | $2,100 |
| Up to $2,500,000 | $425 | $2,550 |
| Up to $3,000,000 | $500 | $3,000 |
| Up too $3,500,000 | $575 | $3,450 |
| Up to $4,000,000 | $650 | $3,900 |
| Over $4,000,000 | $650 + $75 for each additional $500,000 | Half of total Program Fees for first year |
*For Comprehensive Financial Planning Services through the Klaas360 program, Klaas Financial charges a Program Fee of $275 per month for up to $1,500,000 of Investable Assets, plus $75 per month for each $500,000 above $1,500,000. See the table above. Client will pay a one-time Initial Fee equal to half of the total Program Fees for the first year of service. The Initial Fee covers initial discovery meetings, data gathering, research and analysis, and creation of the initial financial plan. The Initial Fee is due after delivery of the initial financial plan; Monthly Program Fees are payable monthly in arrears.
*Some clients may be grandfathered under other fee and service arrangements.
