TJSinvest offers investment advice to clients and manages assets through the Betterment Wrap Fee Program. Betterment LLC & it’s affiliated brokerage/custodian, Betterment Securities LLC, are sponsors to the Betterment Wrap Fee Program but are unaffiliated with TJSinvest LLC.

 

A wrap fee program has a fee structure that provides clients with advisory and brokerage services for one all-inclusive bundled fee with no additional account activity charges for execution of trades. As such, TJSinvest charges clients a single bundled fee (defined below) that covers the investment advisory services it provides, the sub-advisory services provided by Betterment (i.e. tax loss harvesting), as well as the brokerage and custodial services provided by Betterment’s affiliated broker-dealer, Betterment Securities.

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TJSinvest offers its investment advisory services through a Wrap Fee Program because we believe it best allows us to make timely investment decisions for clients. For example, the wrap fee gives clients the freedom to add to or withdraw money from their accounts and provide investment direction that impacts their account holdings without incurring any separate expenses for resulting trades.

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Both TJSinvest LLC and Betterment LLC assess an annualized fee that is billed on a quarterly basis in arrears and is based on the balance of the account on the last business day of the quarter, multiplied by the schedule listed below.

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Betterment charges a flat platform fee (subject to a discount on the portion of a client’s account over $2,000,000), and TJSinvest charges an advisory fee based on the balance of your account. Our advisory fee decreases as your account balance grows. TJSinvest does not receive any compensation for recommending wrap fee programs beyond the fee paid by the client for the advisory services rendered. 

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The fee listed below is an annualized fee. Each calendar quarter, 1/4 of that total fee is assessed and deducted. The fee for the calendar quarter in which your account is established will be prorated based on the average daily balance for the number of days in that calendar quarter which the account was open. If the Account is terminated before the end of a calendar quarter for which fees have not been collected, a prorated fee, based on the average daily balance for the number of days that have transpired in the calendar quarter prior to account termination, becomes immediately due in full, and will be billed to you directly.

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The fee schedule for our two investment strategies can be seen below:

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1. Standard Strategy:

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2. Advanced Strategy:

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*Note: For additional information on TJSinvest's fees and compensation, please see our firm brochure (Form ADV Part 2) available at www.adviserinfo.sec.gov

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