David Pankiw

One of the big changes in our industry over the last decade is how technology has streamlined much of the investment management process. Rebalancing, monitoring, and reporting are far more efficient now. The traditional percentage-of-assets fee structure was built for a time when those tasks required significantly more manual work.

Today, many investors find they're still paying fees tied to portfolio size rather than the actual level of ongoing work. My flat-fee approach is designed to align more closely with the real time and expertise required - so you're paying for advice, planning, and strategy, rather than a formula tied to portfolio size. That way, your costs remain fair and predictable, regardless of market movements.