What am I paying directly?
Planning, tax preparation, and scoped work should have clear terms where applicable.
Understand what you pay before you sign or transfer.
Review direct fees, embedded costs, product costs, insurance compensation, tax-preparation scope, and transfer costs before deciding what should happen next.
Questions to ask before agreeing to anything.
Fee conversations should be concrete enough that you know what is one-time, ongoing, embedded, product-related, or transfer-related.
What is embedded?
Investment products and accounts may include product, dealer, or account-level costs.
What applies to insurance?
Insurance compensation may be insurer-paid and should be disclosed before implementation.
What could a transfer cost?
Tax, product, redemption, transfer-out, or missing-record friction should be checked before paperwork.
Not sure where to start? Send us a quick note.
Send your name, email, and a short note. The office can route the next step without asking you to send sensitive documents through the website.
Know what you pay, where the cost appears, and what you receive before you sign, transfer, or apply.
The page is not about claiming one model is always best. It is about making scope, service, compensation, where costs show up, and transfer friction visible. Specific fee ranges are provided only where they are accurate, current, and approved for the situation.
Planning or tax-prep fee
Where it may show up: engagement scope or invoice.
Embedded investment cost
Where it may show up: Fund Facts and account documents.
Insurance compensation
Where it may show up: illustration and disclosure documents.
Transfer cost
Where it may show up: institution paperwork.
Tax friction
Where it may show up: capital gains, withholding, or missing ACB records.
What Stiller Financial does differently.
Stiller Financial keeps fee and compensation questions tied to the decision being made rather than burying them after a product discussion.
- 01
Name the service
Planning, investment, insurance, tax preparation, or transfer review.
- 02
Clarify where costs appear
Engagement terms, account documents, fund facts, insurance illustrations, tax invoices, or transfer paperwork.
- 03
Confirm what you receive
Scope, documents, disclosures, service expectations, and next steps should be clear before proceeding.
Helpful preparation resources
Use the scorecard to compare service, fees, portfolio role, tax records, and transfer friction.
Open scorecard
Review direct, embedded, product, insurance, tax-preparation, and transfer-related cost questions.
Read guide
Confirm cost and transfer questions before paperwork starts.
Review transfer questionsNot sure where to start? Send us a quick note.
Send your name, email, and a short note. The office can route the next step without asking you to send sensitive documents through the website.