Our Fee Structure
Transparent
Fee Structure
Our fee structure is designed to be fully transparent and all-inclusive, covering all ongoing, comprehensive financial planning and investment management services.
As a fee-only firm with a fiduciary duty, we don’t sell products, earn commissions, or accept kickbacks. Our clients are our sole source of revenue, and our fees reflect the value of the work we do for you. When it comes to our partnership with you, our success is measured exclusively by yours.
At our core, we believe this isn’t just the best way—it’s the right way. For us, it’s the only way.
We offer multiple ways to work together because we believe everyone deserves access to objective, high-quality financial advice. If we’re not the right fit for you, we’ll gladly help you find a firm that meets your needs.
Your first meeting or phone call is always complimentary—there’s no cost or obligation. Let’s start the conversation!
Why We Are a Fee-Only & Independent
Traditional financial advice often revolves around selling products and generating revenue for investment firms, banks, or insurance companies. The more transactions they encourage—whether it’s trading or purchasing additional services—the more they earn through commissions. Unfortunately, these transactions may prioritize the firm’s profit over your best interests.
At Cypress Wealth Management, we’ve chosen a different path: operating under the higher fiduciary standard. This means our sole focus is on recommending solutions that are genuinely in your best interest. We don’t sell products, and we don’t earn commissions. The only fee you pay is for the services we provide or the assets we manage, giving you access to personalized advice and a wide array of best-in-class financial solutions.
Our independence is a reflection of our loyalty—to you, our client. As an independent firm, we have no ties to a home office, proprietary products, or marketing agendas that could create conflicts of interest. This freedom allows us to tailor our advice to your unique situation and select the best investments and strategies to help you achieve your goals.
Work Together
Our Service Models
Full Wealth Management
Our comprehensive wealth management model brings all your financial planning and investment needs together under one coordinated approach.
We provide a broad range of services that include financial planning, investment management and reporting, tax planning and strategies, estate planning, and collaboration with your other professional advisors, such as CPAs and attorneys, to ensure every aspect of your financial life works seamlessly
Financial Planning Project
Financial planning is about envisioning your future and building a strategic framework to turn it into reality. As a cornerstone of financial success, your plan serves as a personalized roadmap to achieve your life’s most important goals.
But financial planning is more than just numbers—it’s about aligning your time and resources with your purpose and priorities. The process starts by understanding where you are today and defining where you want to go, setting the stage for a meaningful and fulfilling journey
Two Hour Consultation
This is a focused, hands-on financial planning session designed for those with specific questions who don’t need a full, written financial plan.
During this two-hour session, you set the agenda. Whether it’s a financial planning concern, an income tax issue, or an investment question, we’ll dive straight in to address your needs. Our goal is to provide clear answers and actionable insights to help you move forward confidently.
Wealth Management Fee Schedule
Wealth management fees are typically billed as an asset under advisement fee, paid monthly or quarterly in arrears, and based on the total amount of investable assets we are advising you on.
| Investable Assets Under Management | Annual Fee |
| Under $2,000,000* | 0.95% |
| $2,000,001 to $5,000,000 | 0.65% |
| $5,000,001 to $10,000,000 | 0.55% |
| $10,000,001 + | 0.20% |
*A minimum fee may apply for assets under one million.
Financial Planning Project Fees
Our financial planning engagements are offered for a flat fee, tailored to the time and expertise required to develop, deliver, and support the implementation of your personalized financial plan.
Fees typically range from $3,000 to $4,000, but more complex plans may incur higher fees.
Retirement Transition Plans
Retirement transition plans are designed specifically for individuals preparing for or already enjoying retirement.
These personalized plans integrate investments, Social Security, and other income sources to create a reliable and steady income stream throughout your retirement years.
Fees start at $3,500 and vary based on the complexity of your unique needs. Click here to learn more.
No-obligation Meeting & Written Proposal
The planning process starts with a no-obligation meeting, where we take the time to understand you and your goals for the planning journey.
Afterward, we provide a detailed written summary outlining the scope of the engagement along with a fixed fee quote. This approach ensures you have complete clarity and confidence in the cost before we proceed, offering peace of mind as we begin.
Two Hour Consultation
This focused financial planning session is perfect for addressing specific financial concerns quickly and effectively, offering accurate and unbiased advice without the cost of a full financial plan.
When scheduling your appointment, simply let us know the topics you’d like to discuss, and we’ll guide you on any documentation to bring. From the moment you arrive, we’ll dive straight into finding practical solutions tailored to your needs. In two hours, you’ll leave with clear, actionable strategies for your concerns.
The session fee is $600.
F.A.Q.
What does it mean to be a fiduciary?
Serving as a fiduciary means we are legally and ethically obligated to act in your best interest at all times. Whether it’s recommending investments, crafting financial strategies, or advising on major life decisions, our priority is ensuring your interests come first. It’s more than just a responsibility—it’s the foundation of trust that guides everything we do.
Do you operate under a fiduciary standard?
Cypress Wealth Management operates in a fiduciary capacity in all aspects of our advisory relationship with you, which we believe will provide you with peace of mind. We never sell products such as insurance or annuities, however, if our work together shows you would benefit from a financial product, we will advise you on what’s appropriate and we can help you purchase it through a fee-only channel. We never receive any commissions or sales incentives from these products which helps us keep our advice objective. We use trusted resources and referrals, with no fee reciprocation agreements. Our fees are always transparent and disclosed clearly.
If you manage my investments, where will my accounts be?
We use qualified custodians such as Charles Schwab. The custodian’s primary role is to protect client assets from fraud, unauthorized access, or misuse. We never mix your assets with ours or with those of other clients. Accounts at the custodian are always in your name so that you retain full ownership at all times. You will always have access to your accounts through the custodian’s website or through our client portal.
Anyone can call themselves a “Financial Advisor,” what formal financial education do you have?
It is true that anyone can call themselves a “Financial Advisor” or a “Wealth Manager,” even if they have no formal training. It’s important that you ensure that the person advising you has formal training and credentials such as a CERTIFIED FINANCIAL PLANNER™, or an Accredited Investment Fiduciary. These designations demonstrate a proven educational foundation to effectively offer financial planning and advice.
We hold both the CERTIFIED FINANCIAL PLANNER™ (CFP®) and the Accredited Investment Fiduciary (AIF) designations.
What is your client retention rate?
We are grateful to serve our clients, who, in many cases, become like our extended family. We are humbled to have an average annual client retention rate above 98%, as some clients relocate and prefer to work with someone face-to-face.
Having said that, we currently work with clients in many states across the country and around the world and we are set up to work remotely. Most client chose to retain our services, even if they move out of the Memphis area.
All of this to stay, our clients are typically lifelong clients, and we consider it a privilege to walk alongside them on their financial journey.
Still Have Questions?
Don’t hesitate to reach out to us anytime
Address
2171 Judicial Drive #110
Germantown, TN 38138
info@cypresswm.com
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Legal Disclosures
Cypress Wealth Management is a registered investment adviser. The information presented is for educational purposes only. It should not be considered specific investment advice, does not take into consideration your specific situation, and does not intend to make an offer or solicitation for the sale or purchase of any securities or investment strategies. Investments involve risk and are not guaranteed. Registration of an investment adviser does not imply a certain level of skill or training. Be sure to consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein.