Fee-Based Investment Management in Oregon

Looking to invest but need help figuring out where and how to start?

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Fee-Only Investment Advisor in Portland, Oregon

What Is a Fee-Based Investment Advisor?

A fee-based investment is an investment product recommended by an investment advisor representative where the client pays an annual fee instead of a commission for the advisor’s recommendations. 

This product is offered by investment advisor representatives who are also registered representatives that work for various size brokerage firms like an LPL, Merrill Lynch or Ameriprise. The product is often referred to as a wrap program, which means investments outside of the wrap program may have a commission associated with them like a variable annuity, mutual fund or insurance. 

The wrap fee is a percentage of the assets under management between 1% and 2%. 

Fee-based investing

Why People Hire Us

Retirement Planning
Our well-designed process and experience will leave nothing to chance when it comes to your successful retirement.
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Investment management
Once we’ve helped you define your goals and objectives, our investment management will be the engine that drives your plan.
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Transition planning
Whether you receive large windfall or an uninvited misfortune, we’ll help you make smart decisions and minimize the financial stress.
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Business Owner Planning
With Interactive Wealth Advisors’ help, you can simplify the process by integrating your business and personal planning — in an attempt to find synergies that may help to provide tax and retirement planning opportunities.
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Tax Planning
With Interactive Wealth Advisors’ help, you can simplify the process by integrating your business and personal planning— in an attempt to find synergies that may help to provide tax and retirement planning opportunities.
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Estate Planning
At Interactive Wealth Advisors, our estate planning services are designed to help you protect your family and assets while making sure they are used in the way you want. Whether it is creating a simple will or advanced trust, we can develop a custom estate planning solution that fits your needs and goals.
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IRA planning
Interactive Wealth Advisors is a fee-only financial planner in Portland, and our IRA retirement planning service will help you navigate the financial challenges of today’s dynamic retirement planning process.
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Social Security Planning
Social Security is a crucial part of preparing for retirement. Created in 1935, the Social Security Administration (SSA) was designed to help protect people from becoming destitute if they become disabled or too old to work. It provides benefits to retirees, disabled workers, widows, widowers, and their families.
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Asset Protection Planning
It has taken blood, sweat, and extreme work ethic to build your business or brand and accumulate wealth. Now that you are a high net-worth individual, it’s vital that you take deliberate steps to preserve this wealth. This is where asset protection planning comes in.
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Holistic financial planning
When it comes to preparing for the future, you want a team that understands your goals, dreams, and finances. That’s why we offer holistic financial planning and sudden wealth counseling services that are specifically designed to help you make the most of your money.
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Investment management for trusts
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IPO & Pre-IPO Tax and Financial Planning
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Stock option planning
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Wealth management
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Restricted Stock Units Planning Advisor
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Liquidity Event Planning
Liquidity risk management assessment and planning in Portland, OR, and surrounding areas. Our personalized advice on liquidity event planning will help you attract better return opportunities. Book a call with our advisors today!
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Financial Windfall Planning
Expected or not, windfalls are a dream come true. While you may be tempted to purchase or experience life’s luxuries, taking a step back and rethinking how to manage the money is crucial. In this case, hiring a windfall financial planner would be the first step to safeguarding your financial future.
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Business Transition Advisor
Planning on selling your business? At Interactive Wealth Advisors, we help you build a tax-efficient exit strategy. Our company provides expert advice to help you prepare to sell your business. Book a call with our advisors today!
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Multi-generational planning
Fee-based multi-generational wealth and financial planning in Oregon. Our personalized advice on strategic planning for the family business will help you attract better return opportunities. Book a call with our advisors today!
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Legacy planning
Fee-only legacy planning services in Oregon. We specialize in legacy financial services, legacy estate planning, family legacy planning, retirement planning, and more. Book a call with our advisors today!
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Tactical Investment Management
Fee-only Tactical Investment Management advisor and consultant in Oregon. We specialize in fiduciary investments, retirement planning, asset protection planning, tax planning, and more. Book a call with our advisors today!
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Fee-based investing was created by Wall Street brokerage firms to compete with fee-only registered investment advisors and perhaps confuse or blur the lines between the fiduciary standard and the suitability standard. 

For example, a red flag is if you asked someone if they are a fee-only, fiduciary advisor and they say they are a “fee-based” advisor they aren’t really a fiduciary. In reality, a fee-only advisor is compensated ONLY giving advice and can’t receive a commission on the sale of a product. 

A fee-based advisor actually wears two hats. One as a commission-based salesperson and another as someone who can charge you an annual percentage via a wrap account. Unfortunately, the client can never be sure what hat they are wearing–creating a conflict of interest. 


What is a Fee-Only Investment Advisor?

A fee-only advisor is an independent financial advisor who follows the fiduciary standard and must always recommend what is in the client’s best interest. They are not employed by any brokerage firm or other financial institution. A fee-only adviser charges you an agreed-upon fee (i.e,. hourly, retainer or a percentage of your investment assets) and does not take commissions from companies that sell investment products.

These individuals are required to act in their client’s best interests and must disclose all fees upfront and any conflicts of interest. This type of advisor can provide unbiased financial advice that is not influenced by commissions.

If you’re looking for someone to provide this type of counsel, then our fee-only investment management services may be the right choice for you.

fee-based investment management

How Can IWA Help?

Are you considering getting started with investing or looking to reshuffle your portfolio? If yes, then getting advice from the right team will help. This is where we come in.

At Interactive Wealth Advisors (IWA), we provide a range of fee-only advisory services. We believe that this is the best way to provide our clients with personalized financial advice that is based on their specific needs and goals. 

Our advisory services include financial planning, portfolio management, estate planning, and IRA investment. We also provide tax planning services in Oregon, stock option planning, asset protection planning, and lots more. 

fee only registered investment advisor

We can help you with as little or as much as you need. This comprehensive approach means that we can help our clients with all aspects of their financial lives.

We work together with our clients to develop a strategy that is based on their requirements, goals, and objectives. We create a customized plan for them and monitor its effectiveness on an ongoing basis –  and then we tweak it when necessary.

So whether you are ready to start investing or you are looking for social security and retirement planning, contact us today. We would be happy to answer any questions you have.

fee only investment management

Who Is It For?

When it comes to fee-only investment management, there are a few key things you should keep in mind. 

  • First and foremost, always work with a fiduciary. A fiduciary is an investment firm or professional who is legally obligated to always put your best interests first. 
  • Secondly, make sure you understand exactly how your advisor is being paid. In a fee-only arrangement, your advisor should only be paid their agreed-upon fee and not receive commissions or referral fees from service providers.
  • Finally, don’t be afraid to ask questions. A fee-only registered investment advisor will be more than happy to answer any questions you have about their services.

Our Process

Get to know you and your financial goals
The first step is getting to know you and your goals. We take the time to understand what you want to achieve, both in the short and long term. This helps us develop a strategy that’s tailored to you.
Understand your current financial situation
We also take a close look at your current financial situation. This includes things like your income, debts, and any other assets you have. This helps us get a clear picture of your finances and how our plan can fit into that.
Help you determine your risk tolerance
Once we have all the information, we will help you determine your risk tolerance. This is how much risk you’re comfortable taking on. We take this into account when customizing your strategy.
Develop a strategy that meets your goals
After all of that, we put together a plan that we believe will help you reach your goals. This plan will be reviewed and updated as needed to ensure it’s still on track.

Who Is It For?

You may be wondering if fee-only investing is right for you. This type of investment management firm is ideal for

  • People looking for personalized financial advice.
  • People who have more complex financial needs, such as those who are nearing retirement.
  • People who want more guidance with their portfolio.
  • People looking for an advisor who is legally obligated to act in your best interest.
  • People looking for wealth management tax planning to make the most of their ROI.

If you need help determining whether this type of service is right for you, we can help. Get in touch so we give you an overview of the pros and cons so that you can make an informed decision.

fee only investment advisor

Why Choose Us?

There are a lot of financial advisory services out there. So why should you choose us? Here are a few reasons:

  1. We are committed to providing exceptional customer service, and we strive to exceed your expectations with our approachable, knowledgeable staff and quick turnaround times. 
  2. Our team of financial professionals has a wide range of expertise in all areas of personal finance. 
  3. We are fee-only, which means our only goal is to help you grow your wealth. 
  4. We have years of experience helping people grow their money. We know what works and what doesn’t, and we’ll provide investment advice to help grow your assets.
  5. We have a team of experienced professionals who have a proven track record of success.
  6. We have been providing fee-only financial planning services for years, so we know the market and the opportunities here. We can help you take advantage of the unique opportunities that Oregon offers.

If you’re looking for an investment advisor that puts your interests first, contact us today. Our advisors can help you develop a plan that fits your needs and goals.

Call (503) 575-1953 to speak with a financial advisor today.

fee only investing

Frequently Asked Questions

How Do Fee-Based Investments Work?

Fee-based investments are investment products that come with both fees and commissions. This means that the financial advisor or broker who is selling the product will earn a commission on the sale in addition to any fees that are charged.

Fee-Based Investments vs. Fee-Only Investments: What Is the Difference?

The main difference between the two is that fee-based advisors may also earn commissions on the products they sell, while fee-only do not. Also, fee-only typically has higher fees than fee-based as the advisor needs to earn a commission on the sale.

Fee-Only Financial Planner or Fee-Based: Which Type is Best for You?

There is no one-size-fits-all answer to this question, as the best type of financial planner for you will depend on your specific financial goals and needs. Your budget will also play a role as fee-only investment tends to be more transparent and can seem more expensive than fee-based.
Interactive Wealth Advisors is a Registered Investment Advisory firm in the State of Oregon and Washington. The Adviser may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Individualized responses to persons that involve either the effecting of transaction in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption.
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