A 1% Fee Grows With Your Account. A Flat Fee Doesn’t.
Most financial advisors charge an AUM fee: a percentage of the assets they manage, often around 1% a year. A flat fee works differently. You pay one fixed monthly price, whether your account is worth $100,000 or $1,000,000. Here’s how the two compare in real dollars, and when each one makes sense.
How the Two Fees Work
Two ways to pay an advisor, and the point where each one costs less.
How an AUM fee works
An AUM (assets under management) fee is a percentage of your account balance, usually billed quarterly. At 1% on $500,000, you pay about $5,000 a year. When your account grows, your fee grows with it, even if the advice stays the same. Many firms lower the percentage on larger balances; your statement or your advisor’s Form ADV shows exactly what you pay.
How a flat fee works
With OMNE 360 you pay a fixed monthly membership instead of a percentage: $25, $150 or $500 a month. Your fee doesn’t change when your account grows. Your advisor is paid for time and expertise, not for the size of your balance.
When an AUM fee can cost less
A flat fee isn’t always cheaper. On 360 Plus, a 1% AUM fee costs less until your balance reaches about $180,000. The break-even is about $30,000 for 360 Core and $600,000 for 360 Premium. Below that point, compare the services you get, not just the price.
Our Flat-Fee Plans
| Plan | Monthly | Yearly | Built for |
|---|---|---|---|
| 360 Core | $25 | $300 | Getting started, $0–$75,000 |
| 360 Plus | $150 | $1,800 | $75,000–$2,000,000 |
| 360 Premium | $500 | $6,000 | $2,000,000+ |
The Difference in Dollars
A hypothetical 1% AUM fee compared with the matching OMNE 360 plan, for one year:
| Account value | 1% AUM fee | OMNE 360 plan | Flat fee | Difference |
|---|---|---|---|---|
| $250,000 | $2,500 | 360 Plus | $1,800 | $700 less |
| $500,000 | $5,000 | 360 Plus | $1,800 | $3,200 less |
| $1,000,000 | $10,000 | 360 Plus | $1,800 | $8,200 less |
| $2,500,000 | $25,000 | 360 Premium | $6,000 | $19,000 less |
The gap widens as your account grows, because an AUM fee rises with your balance and a flat fee doesn’t. Fund expense ratios and trading costs are separate from either fee.
Hypothetical example for illustration only. Assumes a flat 1% annual AUM fee; actual advisor fees vary and may be tiered. Not a guarantee of savings.
What’s Included in Every Membership
- A dedicated human advisor (no chatbots or 1-800 numbers)
- Asset management at no extra percentage
- One dashboard for all your linked accounts, including 401(k)s and outside brokerage accounts
- Advice on accounts held elsewhere
- Help choosing employer benefits
- Insurance review and planning
360 Plus and Premium add retirement readiness analysis, Social Security planning, and CPA and attorney access. Premium adds estate planning coordination and advanced tax strategies. Compare plans →
Frequently Asked Questions
Is a 1% advisory fee worth it?
It depends on the service you get and the size of your account. On $1,000,000, a 1% fee is about $10,000 a year. Ask what that pays for that a fixed fee wouldn’t.
Does a flat-fee advisor still manage my investments?
Yes. Asset management is included in every OMNE 360 membership.
Can I keep my accounts where they are?
You can link outside accounts, such as a 401(k), Fidelity or Vanguard, and get advice on them.
How do I find out what I pay now?
Use our advisor cost calculator. If your firm isn’t listed, send us a recent statement and an advisor will compare it for you.
Is there an account minimum?
No. Every plan is open with no minimum.
See What You’d Keep
Compare what you pay now with a flat fee, then talk to a real advisor. No pressure and no account minimum.