Fees
Fee-Based.
Fiduciary-First.
Nothing Hidden.
We charge transparent advisory fees and hold a fiduciary duty to you — legally required to put your interests first. When a product like an annuity genuinely serves you, we may earn a disclosed commission. That disclosure is the difference.
What “Fee-Based” Actually Means
The Standard of Care Difference
What Your Advisory Fee Covers
One transparent fee. Comprehensive planning across every dimension of your financial life.
Investment Management
Portfolio construction, ongoing rebalancing, tax-loss harvesting, and institutional-quality fund access — managed to your specific risk tolerance and timeline.
Retirement Income Planning
Social Security optimization, Medicare planning, distribution strategies, IRMAA management, and sequence-of-returns risk mitigation — built around your lifestyle goals.
Tax & Estate Coordination
Roth conversion analysis, RSU/vesting planning, beneficiary reviews, trust coordination, and collaboration with your CPA and estate attorney for a unified strategy.
Insurance & Risk Review
Life insurance analysis, long-term care planning, and annuity evaluation — assessed objectively for your situation, with full disclosure of any compensation we receive.
Ongoing Advisory Access
Unlimited access to Thomas Davies — calls, emails, annual reviews, and quarterly check-ins. Your advisor knows your full financial picture, not just your portfolio.
A complimentary Fee & Fiduciary Audit uncovers hidden costs in your current portfolio — no obligation, no pressure.
The Real Cost of “Free” Advice
Brokerage firms often advertise “no-fee” financial planning. But compensation doesn’t disappear — it moves into product costs you rarely see: high expense ratios, 12b-1 trailing fees, front-end sales loads, and bid-ask spreads.
Over a 30-year retirement, a 1% difference in annual costs — the kind that hides inside a “free” advisory relationship — can reduce your final portfolio by hundreds of thousands of dollars in lost compounding.
Audit Your Current
Fee Structure
Not sure what you’re actually paying? We provide a complimentary Fee & Fiduciary Audit — a 30-minute call to uncover hidden costs in your current portfolio and explain exactly what you’d pay at Davies Wealth.
Davies Wealth Management is a registered investment adviser. Advisory fees are charged as a percentage of assets under management and are fully disclosed in our Form ADV. On certain insurance and annuity products, we may receive compensation from the product provider — this is always disclosed in writing prior to any transaction. Past performance is not indicative of future results. This page is for informational purposes and does not constitute investment advice.
Ready to start the conversation?
Request your complimentary first appointment.