Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
- Portfolio Management for Businesses or Institutional Clients
- Pension Consulting Services
- Selection of Others Advisors
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- Charitable Organizations
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Hourly
- Fixed Fees (Other than subscription)
Copper Leaf Financial, LLC Overview
Copper Leaf Financial, LLC is a fee-only registered investment advisory firm that provides investment advice exclusively. Established in 2021, the firm is headquartered in Williston, VT. With a team of experienced professionals, Copper Leaf Financial offers a range of portfolio management services for individuals and small businesses, businesses or institutional clients, along with financial planning services. The firm also extends its expertise to pension consulting services for clients seeking representation and advice. Copper Leaf Financial's advisory services are designed to meet the specific needs of each client, and the firm prides itself on offering its services in an unbiased, transparent, and accountable manner. As a fee-only financial advisory firm, Copper Leaf Financial is committed to working only in the best interest of its clients. This means the firm does not receive any commission or compensation based on the products or services it recommends to its clients. Copper Leaf Financial also assists its clients in selecting other advisors who offer complementary services. The firm works in conjunction with these professionals to ensure clients receive comprehensive financial support to meet their individual goals. Whether the clients are individuals or businesses, Copper Leaf Financial caters to client investment needs through personalized plans and individualized attention.
COPPER LEAF FINANCIAL, LLC serves a diverse range of clients, including individuals, high net worth individuals, and charitable organizations. Each client's unique financial situation is taken into account when developing a customized plan that meets their specific needs. The firm's services cover a broad range of financial areas, including wealth management, retirement planning, and tax planning. Along with providing financial services to traditional customers, the firm also caters to the emerging market of socially responsible investors who seek to invest in companies that prioritize environmental and social responsibility. COPPER LEAF FINANCIAL, LLC offers flexible fee structures to their clients based on the service provided. The fee structures range from a percentage of Asset Under Management (AUM) to fixed fees and hourly charges. Clients can select the most suitable fee structure based on their preferences and requirements. For instance, clients who need help with long-term investments may prefer the percentage of AUM fee structure. On the other hand, those who require ad-hoc financial advice may prefer the hourly fee structure. The fixed fees are ideal for individuals or businesses who require a specific service, such as tax preparation or estate planning. With a commitment to transparency, the firm ensures that all fees are clearly explained to clients in advance and are competitive with other firms in the industry.
Typical Clients, Fee Structures & Investment Minimum
The investment minimum for Copper Leaf Financial, LLC is generally $500,000.00, as stated in their Part 2 Brochure note about investment minimums. However, the brochure also mentions that minimum account sizes may be negotiable under certain circumstances.
How This Office Can Help Montpelier, VT Residents
Copper Leaf Financial, LLC is committed to helping clients in Montpelier, VT with a variety of financial services including retirement planning, estate planning, investment management, tax planning and preparation, and more. As life becomes more complicated, many people benefit from the services of a financial advisor. Copper Leaf Financial approaches each client’s situation with a comprehensive approach to create a customized plan tailored to their specific needs. The firm also offers seminars and educational resources to help clients stay informed on important financial topics. Living in Montpelier, Vermont can present unique financial challenges such as the high cost of living, property taxes, and a declining job market. Copper Leaf Financial can help clients navigate these challenges by developing a plan that addresses retirement planning, estate planning, and investment management. With its focus on education, the firm’s goal is to provide clients with the information necessary to make informed decisions about their financial future. Through regular communication and comprehensive planning, Copper Leaf Financial provides clients in Montpelier, VT with the peace of mind they need to enjoy life’s journey.
Services Offered by Copper Leaf Financial, 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 Copper Leaf Financial, 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.
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
Firm Headquarters
This firm has no other locations.
State Registrations
Copper Leaf Financial, LLC is registered to service clients in the following states:
- Louisiana
- New Hampshire
- Vermont
Disciplinary History
Copper Leaf Financial, LLC does not have any disclosures. Please visit it's Form ADV for more details.