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AFSWest - De Thomas

Let's talk about fees

What does our 1% Advisory fee covers (charged by us for service)


Financial Roadmap

Comprehensive money management strategies, including retirement planning, tax planning, estate planning, and education savings.

Ongoing Portfolio Management

Research, analysis, rebalancing, monitoring, and adjustments to your investment portfolio.

Risk Management

Assessing and managing investment risk tailored to your goals.

Personalized Advice

Tailored recommendations and guidance based on your unique financial situation and goals.

Behavioral Coaching

Helping you avoid emotional investment decisions, stay disciplined, and stick to your long-term plan.

Regular Reviews and Communication

Scheduled meetings, phone calls, and updates to discuss your progress and address any concerns.

MER (charged by the fund manager and different from the advisory fees)


What is the MER?

The Management Expense Ratio (MER) is the total cost of running an investment fund, such as a mutual fund or ETF.

MER Components

The MER covers the fund manager's fee, operating expenses, taxes, and sometimes a trailing commission.

How is the MER Paid?

The MER is automatically deducted from the fund's value every day, so the fund's performance is shown after the MER has been taken out.

Who Charges the MER?

The company that manages the investment fund charges the MER.

The MER and advisory fees are crucial factors to consider when investing in funds, as it directly impacts the overall returns you can expect to receive.