Transparent, Fee-Only · Infinitus Wealth Management
Wealth Management Fees & Pricing in Nashville
Investment management in Nashville
Most wealth management firms make you sit through a meeting to learn what they charge. We publish our full fee schedule here — one transparent fee based on assets under management, with no commissions, no performance fees, and no cost for financial planning.
Strategy designed and managed by Erik James Roberts, MBA — Founder & Chief Investment Officer, Infinitus Wealth Management. Wharton MBA · Fee-only fiduciary.
Wharton MBA · Fee-Only Fiduciary · Veteran-Owned · Music Row, Nashville
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Transparent AUM fee
$0
Commissions, ever
$0
Performance fees
$0
Financial planning cost
Why We Publish Our Fees
If you have searched for how much a financial advisor costs in Nashville, you have probably noticed something: almost nobody will tell you. Fee schedules sit behind contact forms, and pricing conversations are saved for the second meeting. We think that is backwards.
As an independent, fee-only fiduciary, our entire model is built on alignment. We accept zero commissions and are mandated by law — and ethically bound — to put our clients’ interests first. Our fee is a percentage of the assets we manage, so we do well when you do well. There is nothing about that arrangement that needs to be hidden, so we don’t hide it.
Every dollar you pay us is visible on this page. What you get in return is active, personalized management of a portfolio built from individual stocks and bonds — plus a complimentary, comprehensive financial plan included for every client of the firm.
The Infinitus Fee Schedule
Our advisory fee follows a simple four-tier schedule. As your assets grow, your rate declines — the same alignment that runs through everything we do.
How Billing Works
Understanding the rate is half the picture. How the fee is calculated and collected matters just as much, and here the mechanics are deliberately client-friendly.
Billed quarterly, in arrears
Fees are billed quarterly in arrears — after each quarter of service, not before it. You are never asked to prepay for management you have not yet received.
Calculated on your daily average balance
The fee for each quarter is calculated on your account’s daily average balance, not a single snapshot date. If markets fall during a quarter, your fee reflects that. A point-in-time billing date can quietly overcharge you; a daily average cannot.
Debited directly at the custodian
Fees are deducted from your account at Altruist, the independent custodian that holds your assets. Every deduction appears on your custodial statement, so the number you see on this page is the number you can verify on paper, every quarter.
What the Fee Includes — and What You Never Pay
The advisory fee is not a gateway price with services sold behind it. It is the whole relationship.
Included in the single fee
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Active, personalized portfolio management — a custom portfolio built from individual stocks and bonds, managed with ongoing research and disciplined risk management.
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A complimentary, comprehensive financial plan — available to every client of the firm, at no additional cost.
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Direct access to the decision-maker — you work directly with the Founder and Chief Investment Officer who manages your capital, not a call center or rotating service team.
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Ongoing reviews and communication — portfolio reviews, market perspective, and a direct line when you have a question.
What you never pay Infinitus
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No commissions — we earn nothing on buying and selling investments, so trading decisions are driven only by your portfolio.
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No performance fees — no incentive to swing for the fences with your capital.
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No financial planning charges — planning is included, not invoiced.
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No product sales — we are an independent RIA with no parent company and no proprietary fund shelf.
The All-In Cost Question Most Investors Never Ask
An advisory fee is only part of what many investors actually pay. When an advisor builds your portfolio out of mutual funds, a second layer of cost sits inside those funds — the expense ratios paid to the fund companies — on top of the advisory fee itself. It rarely appears on a statement as a line item, but it comes out of your returns all the same.
Because Infinitus builds portfolios from individual stocks and bonds — never mutual funds and rarely ETFs — there is no second layer. The advisory fee is, in most cases, the all-in cost of management.
Consider a hypothetical $1,000,000 portfolio. An advisor charging a 1.00% advisory fee who invests the portfolio in actively managed equity mutual funds averaging 0.60% in annual expenses1 produces a combined annual cost of roughly 1.60%, or about $16,000 per year. The same portfolio at Infinitus pays the 1.00% advisory fee — about $10,000 — with no fund expense layer beneath it. For context, industry research places the median advisory fee at $1M near 1.00%2, so the difference in this illustration comes not from a discounted headline rate, but from removing the second layer of cost entirely.
Hypothetical illustration of annual all-in management cost on a $1,000,000 portfolio. Assumes a 1.00% advisory fee in both cases; the difference is the underlying fund expense layer. Illustration only — see footnotes and full disclosure below.
1 Based on the average asset-weighted expense ratio of actively managed equity mutual funds as reported by Morningstar (2024 fee study). Actual fund expenses vary by fund and share class.
2 Kitces Research on advisor fees (2024) reports a median all-in advisory fee near 1.00% at the $1M portfolio level. Individual advisor fees vary widely.
This comparison is a hypothetical illustration only. It does not represent any actual client, account, or advisor, and does not reflect trading costs, custodial fees, taxes, or investment performance, which will differ. Lower fees do not guarantee better investment outcomes.
⎯ Getting Started
From First Call to Fully Invested.
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Discovery Call
A no-pressure conversation about your goals, holdings, and what you want your wealth to do — by phone, video, or in person.
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Strategy Review
We review your holdings, goals, and risk profile, then share observations on how your portfolio is positioned and where a tailored approach may help.
03
Onboarding
A fully digital onboarding — accounts opened and transfers authorized with a few e-signatures, most holdings moving over exactly as they are.
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Active Management
We build and manage your portfolio — with ongoing research, tax-aware adjustments, and regular portfolio reviews as markets and your life evolve.
Already working with an advisor? We initiate the transfer with your former firm for you — no awkward phone call on your end — and most accounts move in-kind, exactly as they are. See how switching works →
Schedule a Private Portfolio Consultation
For investors seeking disciplined portfolio management,
tactical asset allocation, and long-term capital stewardship.
Confidential discussion
No Obligation
Direct conversation with Founder & Chief Investment Officer
Learn about our Active & Personalized Portfolio Management
Explore our Investment Strategies
⎯ Frequently Asked Questions
Fee Questions, Answered
How much does a financial advisor cost in Nashville? Most advisors charge a percentage of assets under management, and industry research places the median fee near 1.00% annually at the $1 million level, declining at higher asset levels. The number to watch is the all-in cost: when an advisor uses mutual funds, underlying fund expenses stack on top of the advisory fee. Infinitus charges 1.00% under $1M on a declining four-tier schedule, and because portfolios are built from individual stocks and bonds, there is no second layer of fund expenses.
What are the Infinitus advisory fees? Fees are a single transparent percentage of assets under management on a four-tier schedule: 1.00% under $1M, 0.95% from $1M to $4.99M, 0.90% from $5M to $9.99M, and 0.80% at $10M and above. A complimentary financial plan is included.
How is the fee calculated and billed? Fees are billed quarterly in arrears — after each quarter of service — and calculated on your account’s daily average balance rather than a single snapshot date. The fee is deducted directly from your account at Altruist, the independent custodian, and every deduction appears on your custodial statement.
Are there commissions, performance fees, or planning charges? No. Infinitus is a fee-only fiduciary RIA. We charge no commissions on buying and selling investments, no performance fees, and no cost for financial planning — a comprehensive financial plan is complimentary for all clients. Our only compensation is the advisory fee, which keeps our interests aligned with yours.
What is the minimum investment to work with Infinitus? Infinitus works with investors with a minimum of $100,000 in investable assets. Our clients range from emerging investors building their first significant portfolio to families with $25 million or more, and the fee schedule scales down as assets grow.
How do I get started? Schedule a complimentary, no-obligation consultation directly with Erik James Roberts, Founder and Chief Investment Officer. We’ll discuss your goals, current portfolio, timeline, and risk tolerance — and you’ll leave with a clear picture of your rate and your all-in cost. Contact us at erik.roberts@infinituswealth.com or request a consultation today.
Do I pay fund expense ratios on top of the advisory fee? In most cases, no — and this is a meaningful difference. Because we build portfolios from individual stocks and bonds, never mutual funds and rarely ETFs, there is generally no layer of fund expenses beneath the advisory fee. When advisors invest client assets in funds, those embedded expenses reduce returns even though they never appear as a billed line item.
⎯ Explore Further
Related Strategies & Reading
Disclosure: Infinitus Wealth Management is a registered investment adviser. Registration does not imply a certain level of skill or training. All investments involve risk, including the potential loss of principal. No investment strategy can guarantee returns or eliminate risk. Past performance is not indicative of future results. Advisory services are offered only pursuant to a written advisory agreement. Fee information on this page is provided for general informational purposes and is subject to the firm’s Form ADV, which governs in the event of any difference. Advisory fees are negotiable as described above. The all-in cost comparison shown on this page is a hypothetical illustration only; it does not represent any actual client, account, adviser, or investment result, and does not reflect trading costs, custodial fees, taxes, or performance differences, which will vary. Third-party research figures (Morningstar, 2024; Kitces Research, 2024) are cited as of their publication dates and are subject to change. Lower fees do not guarantee better investment outcomes. This page does not provide tax or legal advice.