Broker Check

Three Service Pillars

COMPENSATION OVERVIEWThe Dumas Team

CFP® – CERTIFIED FINANCIAL PLANNER
RICP® – RETIREMENT INCOME CERTIFIED PROFESSIONAL
CPWA® – CERTIFIED PRIVATE WEALTH ADVISOR
CHFC® – CHARTERED FINANCIAL CONSULTANT
CEPA® – CERTIFIED EXIT PLANNING ADVISOR
CSLP® – CERTIFIED STUDENT LOAN PROFESSIONAL

At The Dumas Team, complete transparency is the foundation of every advisory relationship. Our compensation structure is designed to align our interests with yours - we are rewarded only when we deliver meaningful, lasting value to your financial life. Below is a clear overview of how we are compensated.

HOW WE ARE PAIDThree Service Pillars - Three Transparent Fee Structures

Consulting BAsed FeeFinancial Planning ConsultingPAYABLE AT ENGAGEMENT

$1,500
Individuals & Families
Starting at
$7,500
Business Owners
Starting at

Your consulting fee covers the complete design, delivery, and ongoing monitoring of your personalized financial blueprint. 


WHAT'S INCLUDED

  • Comprehensive financial blueprinting & plan design
  • Educational strategy sessions tailored to your goals
  • Financial modeling & scenario analysis
  • Customized recommendations across risk, asset, liability & cash flow management
  • Accumulation planning and/or retirement distribution strategies
  • Philanthropic planning strategies
  • Coordination with CPAs, attorneys, mortgage advisors, business consultants & other professionals
  • On-going monitoring

COMMISSION BASEDRisk Management AdvisoryBROKER CAPACITY- CARRIER COMPENSATED

No Direct Fee to You
Compensated by top-rated carriers via commission upon implementation

In our Risk Management capacity, we serve as your advocate — not your insurer. We are compensated by the carriers, not by you, so our incentive is always finding the best solution for your needs.


When we identify a protection gap, we research, design, and present solutions for your review. Upon implementation, we provide ongoing maintenance and strategic adjustments as your life evolves.


AREAS WE COVER

  • Life Insurance — term, whole life, permanent cash value strategies
  • Disability Insurance — income protection & business overhead
  • Long-Term Care Insurance 
  • Annuities — guaranteed income & accumulation solutions
  • Ongoing plan maintenance & carrier advocacy
  • Access to top-rated carriers across the market

AUm BASED FEEAsset Management AdvisoryINVESTMENT ADVISOR CAPACITY- payable QUARTERLY

0.65% – 1.25%
Advisor Fee Range  -  Per annum  -   Billed quarterly 

As your Investment Advisor Representative, our compensation is directly tied to the growth and value of your account. We earn more when your portfolio grows; a structure intentionally designed to align our success with yours.


Rate decreases as Assets Under Management increase, with tiered breakpoints. The advisor fee does not include internal expense ratios or platform costs; all-in fees typically range from 1.00% – 2.00%.


WHAT'S INCLUDED

  • Portfolio constuction, management, rebalancing & monitoring
  • Tax-efficient investing
    • asset location
    • diversification of highly appreciated and / or highly concentrated positions
  • Values aligned investing (upon request)
  • Quarterly portfolio assessment & reporting

Are You Ready?Take The First Step

If you believe you could benefit from working with a financial professional, let’s review your portfolio, financial trajectory, and goals to see if you’re a good match for our practice.

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