You run a business or a family, or both, and you don't have time for a slow onboarding. We ask for a few meetings and a stack of documents, and we do the work in between. Every meeting is with both founders, James and John.
1
First conversation
A short meeting with James and John, in person in Chesterfield or by video. We listen to what's going on, explain how we work, and tell you plainly whether we're a fit. No pitch, no homework.
Belmont Private WealthStep 1 of 5
Meeting notes
Date and who was in the room
What’s going onin your words
What you want to be true in five years
Is Belmont a fit? Our plain answer
If yes: what we need from you
Illustrative. Your version is written for you.
2
Discovery
We gather statements, tax returns, entity documents, estate documents, and insurance policies, and we ask a lot of questions about what you want. This is where the real work starts.
Belmont Private WealthStep 2 of 5
Document checklist
Account statements, every account
Last two years of tax returns
Entity documents and buy-sell agreement
Wills, trusts, beneficiary forms
Insurance policies
Illustrative. Your version is written for you.
3
Your plan
A written plan in plain English, with specific recommendations and the numbers behind them. We walk through it together and change what doesn't fit.
Belmont Private WealthStep 3 of 5
Your written plan · contents
Where you stand todayp. 1
Cash flow and savingsp. 3
Taxes: the next twelve monthsp. 5
Investments: one allocationp. 7
Insurance and estatep. 9
The businessp. 11
Recommendations, in orderp. 13
Illustrative. Your version is written for you.
4
Implementation
We open and transfer accounts at Charles Schwab, build the portfolio, and coordinate with your CPA and attorney on the pieces that are theirs.
Belmont Private WealthStep 4 of 5
Tracker
Accounts opened and transferred to Schwab
Portfolio built to the plan
CPA briefed on entity and retirement plan
Attorney: titling and beneficiaries
Insurance adjusted
Illustrative. Your version is written for you.
5
Ongoing
Regular reviews, tax-season coordination, and a plan that updates when your business or family changes. Questions in between get answered by the people who built the plan.
Belmont Private WealthStep 5 of 5
Annual review · agenda
What changed this year
Tax moves before year-end
Plan updates and the new numbers
The business: value, pay, exit timing
Next year’s calendar
Illustrative. Your version is written for you.
The gold line is where you decide whether to go further. Nothing before it costs anything. Each step shows the thing you get at the end of it.
What it costs
One advisory fee, published
We charge one fee based on the assets we manage. It covers all six services. We don't earn commissions, sell products, or bill by the hour.
Billed quarterly in advance. Negotiable. Fund expenses and any custodian transaction costs are separate and disclosed. The full schedule is in ourForm ADV Part 2A.
Portion of your managed accounts
Annual rate on that portion
First $1 million
1.00%
$1 million to $3 million
0.90%
$3 million to $6 million
0.70%
$6 million to $10 million
0.60%
$10 million to $25 million
0.50%
Above $25 million
0.40%
Tiered: each rate applies only to the assets within that band. For example, $1 million under management costs $10,000 a year, about $2,500 a quarter. Fund expenses and any custodian transaction costs are separate. Schedule A of our advisory agreement governs.
Both directions
What we ask of you
Real numbers
The plan is only as good as the information in it. We'll ask for everything, including the parts that are messy.
A few hours up front
Two or three meetings and some document gathering in the first weeks. After that, it gets lighter.
Tell us when things change
A new entity, an offer for the business, a birth, a move. The sooner we know, the more options you have.
Patience with boring
Good plans are mostly uneventful. We won't trade your portfolio because the news is loud.
Common questions
What people in St. Louis ask about fees and process
How much does Belmont charge?
One advisory fee based on the assets we manage: 1.00% a year on the first $1 million, stepping down to 0.40% above $25 million. It’s billed quarterly in advance and covers all six services. For example, $1 million under management costs $10,000 a year, about $2,500 a quarter. Belmont earns no commissions and sells no products; fund expenses and any custodian transaction costs are separate.
Is the fee negotiable?
Yes. The schedule is our standard, and it's negotiable. Whatever we agree to is written into your advisory agreement before we start.
How long does it take to get started?
Typically a few weeks from the first conversation to a written plan, mostly depending on how quickly we can gather statements and documents. Accounts can be opened at Schwab along the way.
How is the fee paid?
Quarterly in advance, typically deducted from your Schwab account and shown on your Schwab statement, so you can see exactly what you paid.
Step one
Book the first conversation
Thirty minutes with James or John. Pick a time, or send a note and we’ll reply within a business day.
In person at 100 Chesterfield Business Pkwy, Suite 200, or by video.
Pick a time
Thirty minutes, no homework
Opens our calendar. You’ll get a confirmation by email.