Wealth pricing.
Clear advisory pricing for portfolio management and planning. Your final fee is confirmed in your advisory agreement before we begin.
Blended annual advisory fee.
The advisory fee is based on assets under management and is billed monthly in arrears. The tiers are blended, so each tier applies only to the assets in that range.
| Total Assets Under Management | Annual Fee |
|---|---|
| $250,000 – $1,000,000 | 1.00% |
| $1,000,001 – $2,000,000 | 0.85% |
| $2,000,001 – $5,000,000 | 0.75% |
| $5,000,001 – $10,000,000 | 0.60% |
| $10,000,001 – $25,000,000 | 0.50% |
| $25,000,001 and up | 0.40% |
Koala generally uses the average daily balance in the account during the billing period, after deposits and withdrawals, to calculate advisory fees.
Each tier applies only to the assets in that range, so a larger relationship pays one blended rate, not the top rate on everything.
Illustration using the schedule above, before custodian, fund, and other third-party costs. It shows how the fee is calculated, not what any account will earn. Your fee is set in your advisory agreement.
The account minimum is generally $250,000. Koala may waive that minimum when the relationship still makes sense.
Portfolio management fees are billed monthly after services are provided, either from the account with written authorization or by invoice.
Custodian, brokerage, mutual fund, transaction, and other third-party costs are separate from Koala's advisory fee.
Planning is a flat fee or an hourly engagement.
Portfolio management means Koala manages your accounts at Schwab, with ongoing oversight and trading. Planning is advice only: your accounts stay where they are, and you decide what to act on. Scope and fee are agreed in writing before work begins.
A written financial plan covering the areas we agree on at the start. We agree on the scope and the price in writing and sign the engagement letter before work starts. The fee is billed when the plan is delivered.
- A written plan covering the areas we agree on at the start
- Cash flow, retirement, tax, insurance, and estate review as your scope requires
- Working meetings to build the plan and a meeting to deliver it
- Access to your planning portal while the engagement is open
Not included: managing, trading, or monitoring accounts, tax return preparation, and legal work.
The final fee depends on complexity. Smaller questions are usually better handled hourly.
For a focused question rather than a full plan: a single large decision, a second opinion, equity compensation, estate coordination, or a specific piece of cash flow or retirement work. Scope and hourly rate are agreed before work begins. Fees are based on time spent and are paid after the work is completed.
- Hourly work on specific questions, paid on completion
- A focused deliverable when that is what the question calls for
- A copy of the planning materials prepared for your engagement
Not included: monitoring, updates, or advice after the engagement ends, unless we sign a new agreement.
Fixed and hourly planning fees are paid after the work is completed. Koala does not collect planning or advisory fees in advance. You may cancel your planning agreement without penalty within five business days of signing. After that, you may generally terminate it by written notice, as described in your agreement and our brochure.
In a planning relationship, Koala does not hold discretion over your accounts, does not place trades, and does not monitor them. Advice about those accounts is given as part of your plan, and you decide whether and when to act on it.
In offering financial planning, a conflict exists between the interests of Koala Financial and the interests of the client. You are under no obligation to act on our recommendations, and if you choose to act, you are under no obligation to do so through Koala Financial or any Koala affiliate.
The portal is where your plan, your numbers, and your documents live. It is a tool, not advice, and access to it does not create an advisory relationship on its own. Access is matched to the scope of your relationship.
Fee schedule from our June 2, 2026 Form ADV Part 2A, Item 5. Fees are generally negotiable and confirmed in your agreement. Lower fees for comparable services may be available elsewhere.
Working with other Koala teams.
With your authorization, the Koala teams can discuss decisions that affect your investments, taxes, estate, or insurance. Each service has its own scope and engagement.
Portfolio Management
Portfolio design, account monitoring, rebalancing, and ongoing review based on your advisory relationship.
Planning Conversations
Retirement, cash flow, tax-aware investing, account structure, charitable giving, and planning around major life events.
Koala Coordination
When you choose multiple Koala services, your advisor can coordinate with the CPA, law, and insurance teams in the right capacity.
Pricing questions.
Fees are generally negotiable, and the final fee schedule is documented in the advisory agreement.
No. Koala bills advisory and planning fees in arrears. Portfolio management is billed monthly after services are provided, and planning fees are billed when the work is delivered.
Yes. Planning is available on its own, as a flat fee or hourly engagement. It is advice only: your accounts stay where they are, Koala does not trade or monitor them, and you decide what to implement. It is not a substitute for portfolio management.
Yes. Portfolio management includes investment management and periodic review. Financial planning may be included or charged separately at a flat or hourly rate, depending on the account size and work involved. Your advisory agreement confirms the scope and fees.
No. Clients can use one Koala service without using the others. Tax & Accounting, Law, and Insurance can each be engaged on their own. If you choose coordinated service, the teams can work together with your authorization.
The current Form ADV brochures are available on our disclosures page and explain services, fees, conflicts, and advisor backgrounds in more detail.