Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Commissions
Treetop Wealth Management, LLC Overview
TREETOP WEALTH MANAGEMENT, LLC is a registered investment advisory firm that specializes in providing investment advice to individuals and small businesses. Based in Northfield, IL, the firm operates on a fee-based arrangement, meaning that clients pay for the services provided by the firm. Since its inception in 2021, TREETOP WEALTH MANAGEMENT, LLC has been dedicated to helping clients achieve their financial goals through a wide range of services. The firm's services include financial planning, which involves creating a roadmap to help clients achieve their long-term financial goals, such as retirement planning and wealth accumulation. In addition to financial planning, the firm also offers portfolio management services. This service is designed to help clients manage their investment portfolio effectively, by creating a diversified asset allocation strategy that meets their unique needs and risk tolerance. Overall, TREETOP WEALTH MANAGEMENT, LLC is a reliable partner for individuals and small businesses looking to achieve financial wellness.
TREETOP WEALTH MANAGEMENT, LLC provides its services to a broad range of clients, including individuals and high net worth individuals. Regardless of their financial status, the firm has the expertise to cater to each client's unique financial needs. Depending on the specific service provided, TREETOP WEALTH MANAGEMENT, LLC offers different fee structures. One of the most common fee structures is a percentage of AUM, which is a fee based on a percentage of the assets the firm manages on behalf of the client. This is a popular fee structure for clients who want a more hands-on approach to their investment strategy. Additionally, the firm offers a commission-based fee structure, in which the fee is based on the number of transactions completed on behalf of the client. This is an attractive option for clients who prefer a more active trading approach. TREETOP WEALTH MANAGEMENT, LLC ensures that they offer the best possible fee structures to their clients, all while maintaining the highest levels of professionalism and integrity.
Typical Clients, Fee Structures & Investment Minimum
According to TREETOP WEALTH MANAGEMENT, LLC's Part 2 Brochure, there is no mention of an investment minimum. Therefore, it is unknown what their investment minimum may be.
How This Office Can Help Northfield, IL Residents
Margaret Capehart is a Private Wealth Advisor with Ameriprise Financial Services, LLC, who offers financial planning and advice in Arlington, TX. With a focus on the unique financial situations faced by clients in the area, she helps individuals and families plan and manage their financial goals and achieve growth. Margaret has extensive experience working with residents of Arlington and can help navigate the complexities of financial planning. Living in Arlington, TX comes with a unique set of challenges, such as managing a budget amidst rising living costs, saving for retirement, paying for education, and protecting against unforeseen circumstances. Margaret works closely with clients, providing personalized advice and a comprehensive range of services, including investment advice, retirement planning, tax planning, and estate planning. With her guidance, clients can optimize their financial strategies, minimize their risk exposure, and achieve financial stability. Margaret's ultimate goal is to help her clients achieve their financial dreams and enjoy the peace of mind that comes with sound financial planning.
Services Offered by Treetop Wealth Management, LLC
Core Advisor Services
Financial Planning
Financial planning services encompass the process of devising strategies for your future financial well-being, including preparing for events such as retirement, funding your child's college education, or planning for the transfer of assets.
Portfolio Management for Individuals & Small Businesses
Portfolio management entails the careful selection and strategic management of investment combinations tailored to meet the needs of individuals and small businesses.
Market Timing Services
Market timing services involve the endeavor to generate short-term profits from investments by capitalizing on opportunities to buy at low prices and sell at high prices.
Other Services
Selection of Other Advisors
The firm provides support in selecting and engaging other advisors who possess specialized expertise to complement your financial needs.
Publication of Periodicals or Newsletters
The firm engages in the dissemination of diverse financial educational materials through the publication of periodicals.
Educational Seminars & Workshops
The firm organizes and conducts seminars or workshops aimed at enlightening investors on various financial concepts.
Fee Structures
Financial advisory fees usually are based on the services provided. Fee types charged by Treetop Wealth Management, LLC most likely consist of the following fee types: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm.
Available
Percentage of Assets Under Management (AUM)
This fee structure charges a percentage of the assets under management by the firm. Fee structures are often tiered based on the amount of assets managed, with higher AUM often charged a lower rate.
Between 0.50% and 2.00% of assets under management (annually), often lower for a robo advisor. Fees are typically charged quarterly by the firm and will show on your investment statement. View typical advisor costs here.
~96% of registered firms offer this fee structure.
If you have $1 million managed by a firm at a 1% management fee, you would be charged $10,000/year to manage your assets (or $2,500 per quarter). This would be automatically deducted from your investment portfolio.
Commissions
Occasionally, advisors are compensated through commissions by selling certain financial products, such as mutual funds or life insurance policies, or as a broker-dealer by facilitating the buying and selling of securities. Advisors who receive commissions may be incentivized to make specific suggestions to clients in order to secure a commission. Advisors who operate on a fee-only basis do not earn commissions, whereas fee-based advisors may do so.
Often 3% - 6% of the value of the security.
Only ~3% of registered firms say they offer this fee structure, but other advisors may receive “soft dollars”. Many mutual funds charge 12b-1 fees to cover the promoting and selling of the fund’s shares. While your advisor does not charge these fees, they may receive a kickback for recommending the investment.
An advisor selling their client on a life insurance policy and receiving a commission on the sale of that policy, or recommending a specific investment and receiving a kickback for that recommendation.
Unavailable
Hourly
Similar to an attorney, a financial consultant might charge fees based on hourly rates. This fee structure can be advantageous when seeking specific or ad hoc advice.
Charges generally span from $150 to $400 per hour, depending on the extent of the services required.
~33% of registered firms offer this fee structure.
If you needed hourly consulting to sell a business or transfer your estate to your children but did not want your assets managed by a firm, you could consult a firm at an hourly rate to answer any questions you may have.
Subscription (Newsletter or Periodical)
Fixed Fees (Other than subscription)
Fixed fees are a one-time, lump-sum payment rendered for a specific service, such as creating a financial plan without ongoing management or implementation. This option is beneficial if you solely require guidance for a particular objective rather than a long-term consultancy or asset management.
Fixed fees for creating a financial plan often range from $1,000 to $3,000.
~49% of registered firms offer this fee structure.
If you did not want a firm to manage your assets but needed to create a retirement plan, life transition plan such as divorce or loss of a spouse, estate transition plan, business financial plan, or any other financial planning, you could consult with an RIA firm to help you with the creation of that plan.
Performance-based Fees
Advisors typically obtain performance-based fees if a portfolio surpasses a predefined benchmark. This fee is determined through various methods, but is most commonly assessed as a percentage of investment gains. Performance-based fees may incentivize advisors to undertake riskier decisions in pursuit of generating higher returns.
“Two and Twenty” is common among hedge funds with a 2% management fee and a 20% incentive fee above the “hurdle rate,” or performance threshold the fund is compared against.
32% of registered firms offer this fee structure.
A hedge fund earns a 15% return with a 20% performance fee in above the performance of the S&P 500, which grew 7% that same year.
20% of fund growth in excess of S&P 500’s 7% growth for that year = 15% hedge fund growth - 7% S&P 500 growth = 8% difference x 20% = 2% performance fee (in addition to the management fee).
Other
Firms occasionally offer unconventional fee structures when charging clients. For more detailed information about a firm’s specific fee structures, please refer to their Form ADV and Part 2 Brochure.
Types of Clients
*The Securities & Exchange Commission defines someone as “high net worth” if they have $750,000 or more in investable assets or $1.5M of estimated total net worth.
This Office Location
Other Office Locations
This firm has no other locations.
State Registrations
Treetop Wealth Management, LLC is registered to service clients in the following states:
- Illinois
Disciplinary History
Treetop Wealth Management, LLC does not have any disclosures. Please visit it's Form ADV for more details.