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Fees and Compensation
When acting as a registered investment advisor, Future Benefits’ sole source of compensation is through an annual asset management fee payable by the client through the investment account or individual. Fees are charged as a percentage of assets. The fee is negotiable. For example, the fee may be lower for fixed income portfolios or due to the size of the account. We earn no commission on trades of any kind, nor do we have any soft dollar arrangements with any party or receive any additional compensation from any mutual fund companies. In addition to Future Benefits’ advisory fee, each investment company (Mutual Fund) in which client’s funds are invested, charges its own asset management fee. 

For individual clients, there are no custodian or third party fees other than the Future Benefits fee and the Mutual Fund asset management fee.

With regard to Retirement plans, we seek to maximize platform revenue sharing to reduce hard dollar costs and control fees. In this capacity, we work as co-fiduciaries. For Retirement Plans, the trustees and the participants are provided with a fee disclosure under the rules of the Department of Labor. This fee disclosure encompasses all the charges to the Plan, including our fee, mutual fund charges, custodial fees and third party administrator fees.
 
In some instances, the principals of the firm may act as registered representatives in 403(b), 401(k) and individual plans. This occurs when “fee-based asset management” is not appropriate or possible. In these cases, Future Benefits receives compensation through its broker-dealer, Triad Advisors, Inc.

Additional information on fees is provided when the firm prepares a preliminary proposal for a prospective client or when an active client renews an agreement. Of course, Future Benefits principals are available to review fees at any other time. Agreements may be terminated at any time by either Future Benefits or the client, with a minimum of 30 days notice.

Future Benefits provides reviews and recommendations in the following related areas: pension design and administration, taxation issues, benefits planning, financial consulting and retirement planning. The fee charged is based on an hourly rate or a flat fee.

 
 


Copyright © Future Benefits, Inc. | 1781 Highland Avenue – Suite 205 Cheshire, Connecticut 06410 | Phone: (800) 272-4745 | Fax: (203) 272-2459
Securities offered through Triad Advisors, Inc..
5185 Peachtree Parkway, Suite 280, Norcross, GA 30092. Member FINRA, SIPC

Advisory Services offered through Future Benefits, Inc. Future Benefits is not affiliated with Triad Advisors.