SCHWAB

Schwab Institutional manages each client account separately. This is an advantage to clients with large market values under only one account number. All of the money managers that we currently offer are available through Schwab . Schwab has a minimum annual fee for wrap accounts of $750.00. The breakeven account value for a client's account would be $187,500.00. If the client's account value is below that, then we choose to set up the account under the non-wrap program.

FOLIOfn

Foliofn allows us to utilize money manager portfolio platforms or styles for clients that have account market values that fall below a manager’s stated minimum account size. Folio utilizes a "window trade" system that allows them to keep trading costs down and process trades efficiently. They attempt to match trades internally first, any unfulfilled orders are sent to the floor. Client receives statements and confirms via email and can access their account information online directly with Folio. Our entire selection of managers is not yet available through Foliofn.