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Advice

Help, priced by how much of it you want

Three levels of service on one platform. Start self-directed, add a managed portfolio when the balance justifies it, and bring in a planner when life gets complicated.

Self-directed
$0
 Digital portfolio
0.25% a year
 Hybrid planning
0.40% a year
 Dedicated advisor
0.50% a year
Minimum to start$0$500$25,000$50,000
$0 online trades✓✓✓✓
Planning calculators✓✓✓✓
Portfolio built for you—✓✓✓
Automatic rebalancing—✓✓✓
Tax-loss harvesting—✓✓✓
Access to a planning team——✓✓
A named CFP® professional———✓
Retirement income & tax planning——AnnualOngoing
Estate & insurance coordination———✓
Open Choose Enquire Enquire

Advisory fees are charged quarterly on the average daily balance and are in addition to the expense ratios of the underlying funds.

What 0.25% buys

The digital portfolio, in detail

You answer a questionnaire. We build a globally diversified portfolio of low-cost index funds matched to that answer, then keep it there.

1

Profile

Six questions on horizon, tolerance and purpose produce one of five target allocations.

2

Construct

Between four and eight funds covering U.S. equity, international equity, bonds and real assets, with a weighted expense ratio near 0.05%.

3

Maintain

Automatic rebalancing when any sleeve drifts five points, dividend reinvestment and tax-loss harvesting in taxable accounts.

4

Review

An annual check-in, plus alerts when a life event should change the plan.

A moderate portfolio, as built

  • U.S. stocks39%
  • International21%
  • Bonds33%
  • Real estate4%
  • Cash3%
Weighted fund expense0.05%
Advisory fee0.25%
All-in annual cost0.30%

On $100,000 that is $300 a year, all in.

The team

Who you would work with

Every MeridianClad planner is a fiduciary, salaried rather than commissioned, and holds the CFP® designation.

DO

Dana Okonkwo

CFP®, Head of Planning

Eighteen years in retirement income design, with a focus on withdrawal sequencing and Roth conversion timing.

MF

Marcus Feld

CFP®, Senior Planner

Works with pre-retirees on pension elections, Social Security timing and healthcare bridge strategies.

PR

Priya Raghavan

CFA, Portfolio Strategy

Builds and reviews the model portfolios, glide paths and rebalancing rules used across the platform.

A fiduciary duty means the advice has to be in your interest, not merely suitable for you. It is a low bar to describe and a high one to meet - it rules out commission-driven product sales entirely. Dana Okonkwo, CFP® · Head of Planning

Questions about advice

How is the fee charged?
Quarterly, calculated on the average daily balance of the advised accounts, and deducted directly. There is no separate bill and no commission on any trade.
Can I move between service levels?
Yes, at any time and without a fee. Many clients start self-directed, add a digital portfolio as the balance grows, and move to a dedicated advisor around retirement.
Do advisors earn commission on products?
No. Planners are salaried and receive no product-based compensation, which removes the incentive to recommend one fund over another.
What is tax-loss harvesting worth?
It defers tax rather than eliminating it, and the benefit depends on your bracket and how volatile the year was. It applies only in taxable accounts - never in an IRA.
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