Fee Structure and Services

Table of Fees for Services

Carefully read Item 4 and Item 5 of Form ADV Part 2A "Brochure", as these sections of the Brochure contain important details about Smarter Bear Financial Advisory advisory services and fees. Fees may be negotiable. The fees below will only apply to you when you request the services listed.

Fees Charged by Investment Adviser	Fee Amount		Frequency Fee is Charged	Services
Percentage of Assets Under Management Fee	Assets Under Management	Annual Fee %	Quarterly, in arrears	Portfolio Management for Individuals and/or Small Businesses
	Up to $1,000,000	1.25%
	$1,000,000 - $1,999,999	1.0%
	$2,000,000 & up	0.8%
Hourly Charges	Not to exceed $500/hour		Monthly, in arrears	Financial Planning
Subscription Fees	$0		n/a	n/a
Fixed Fees	$2,500 - $10,000		Per project, half up front and half upon completion	Financial Planning
Commissions	$0		n/a	n/a
Performance-based Fees	$0		n/a	n/a
Other	$0		n/a	n/a
Fees Charged by Third Parties	Fee Amount		Frequency Fee is Charged	Services
Third Party Money Manager	$0		n/a	n/a
Robo-Adviser Fee	$0		n/a	n/a
Talk with your Adviser about fees and costs applicable to you

Additional fees and costs to discuss with your Adviser

Additional Fees/Cost	Yes/No	Paid To
Brokerage Fees	Yes	Schwab
Commissions	No	n/a
Custodian Fees	Yes	Schwab
Mark-ups	No	n/a
Mutual Fund/ETF Fees and Expenses	No	n/a

Effective March 1, 2023

Download ADV for details about our fees.