Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
- Educational Seminars & Workshops
- Other
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- Corporations or Other Businesses Not Listed Above
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Hourly
- Fixed Fees (Other than subscription)
Von Borstel & Associates Overview
VON BORSTEL & ASSOCIATES is a registered investment advisory firm that specializes in providing investment advice to individuals and small businesses. The firm is based out of its headquarters in The Dalles, OR, and has been in business since 2020. They offer fee-only services, meaning they do not earn commissions from selling financial products. In addition to providing investment advice, VON BORSTEL & ASSOCIATES also offers financial planning services, portfolio management, and educational seminars and workshops. Their team of experienced professionals is dedicated to helping clients achieve their financial goals through careful planning and investment strategies. To complement their core services, VON BORSTEL & ASSOCIATES also offers held away consulting services. These services help clients better understand the investment options available to them outside of their main investment accounts. Overall, VON BORSTEL & ASSOCIATES is an insurance broker/agent that provides comprehensive financial planning and investment advice for individuals and small businesses. Their fee-only approach ensures that their advice is unbiased, and their years of experience have made them one of the most trusted investment advisory firms in the industry.
VON BORSTEL & ASSOCIATES caters to a diverse range of clients spanning individuals and high net worth individuals. This allows the firm to provide bespoke solutions and personalized services that cater to the unique requirements of each client. Whether an individual seeks investment management or estate and financial planning services, VON BORSTEL & ASSOCIATES is equipped to support their diverse needs with its experience and expertise. When it comes to fee structures, VON BORSTEL & ASSOCIATES offers different payment options based on the services rendered. The firm provides an hourly rate for consultations and financial planning services. This ensures that clients can seek advice and solutions without committing to an extended engagement. Additionally, the firm offers fixed fees for specific services to provide clarity on the costs involved. For investment management, VON BORSTEL & ASSOCIATES charges a percentage of assets under management (AUM). This ensures that the interests of both the clients and the firm are aligned towards meeting investment objectives. Overall, VON BORSTEL & ASSOCIATES provides transparent fee structures that give clients flexibility while ensuring the firm can deliver value for its services rendered.
Typical Clients, Fee Structures & Investment Minimum
According to VON BORSTEL & ASSOCIATES' Part 2 Brochure, the note about investment minimums is blank. Therefore, it is not explicitly stated what their investment minimum is.
How This Office Can Help The Dalles, OR Residents
Edward Jones - Financial Advisor offers personalized financial advice and investment strategies to clients in Jacksonville, OR. As a financial advisor, their primary goal is to help clients identify and achieve their financial goals. They offer a wide range of services, including retirement planning, education planning, estate planning, and wealth management. Living in Jacksonville, OR, you may be facing specific financial situations like preparing for retirement, saving for your children's education, or managing your finances after experiencing a life-changing event like divorce or death of a spouse. With their tailored approach to financial planning, Edward Jones - Financial Advisor helps clients navigate these challenges and develop personalized plans that fit their unique needs and goals. They provide ongoing support and monitoring, ensuring that clients stay on track to reach their financial objectives. With their wealth of knowledge and experience, Edward Jones - Financial Advisor is committed to providing the highest level of service to their clients in Jacksonville, OR.
Services Offered by Von Borstel & Associates
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 Von Borstel & Associates 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.
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.
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.
Unavailable
Subscription (Newsletter or Periodical)
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.
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
Von Borstel & Associates is registered to service clients in the following states:
- Alaska
- Arizona
- California
- Oregon
- Texas
- Washington
Disciplinary History
Von Borstel & Associates does not have any disclosures. Please visit it's Form ADV for more details.