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Market Insights & Commentary > Market Insights > Financial Planning Perspectives
The lead up to and eventual passing of the One Big Beautiful Bill Act (OBBBA) has garnered significant attention in the industry. Now that the dust has begun to settle, many advisors are eager to understand the impact this will have on their clients. In this release, we outline the high-level details of six key provisions of particular relevance to advisors and their clients.
As with any new legislation, it is possible that some of the finer details may be further clarified over time, and we will continue to provide additional guidance as meaningful updates unfold.
As always, we are focused solely on being the trusted partner of choice for you through the delivery of information you can use in providing world-class service to your clients.
If you have any questions or would like to discuss potential planning opportunities resulting from the OBBBA, please do not hesitate to reach out to your Financial Planning Department at (855) 558-4287 or at planning@vicuscapital.com.
$65,000
Fee schedule starts at 0.45%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$125,000
0.15%
Vicus Capital Fee
American Funds Fee
Fee schedule varies by client need.
$250,000
0.30%
$65,000
Fee schedule starts at 0.45%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$125,000
Passive Strategies
0.15%
Factor Strategies
Domestic Strategies: 0.55%
International Strategies: 0.65%
$100,000
0.30%
$40,000
0.15%
$250,000
FlexChoice
Fee schedule starts at 0.35%
FlexChoicePro
Fee schedule starts at 0.45%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$50,000
0.00%
Fee schedule varies by annuity. Please reference the fee schedule for details.
1 Guaranteed income solutions vary by product and typically involve additional fees. Review specific product information details made available by the respective providers related to guarantees and costs involved.
$75,000
Fee schedule starts at 0.55%
1 As it relates to the Faith Based Strategies, all screening is performed on a best efforts basis to avoid exposure to identified issues. Vicus Capital maintains no direct control over securities purchased or sold by third party managers. As such, Vicus Capital makes no guarantees that ownership of securities involved in identified issues will be avoided. Portfolio holdings may violate identified issues during transition periods. Individual managers utilized may perform additional screening. On a periodic basis, Vicus Capital screens portfolios using software and research analysis. Certain securities such as bonds, money markets, and derivatives are not subject to screening using software and are not included in this analysis. In addition, some companies may not be included within the research universe and are not subject to analysis. Vicus Capital believes that holdings and screening information provided to the firm to be accurate, but accuracy cannot be guaranteed. Custodial services are provided through Fidelity Brokerage Services and Charles Schwab. In-kind transfers are dependent upon custodial platform offerings.
2 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$60,000
Fee schedule starts at 0.40%
1 As it relates to the Faith Based Strategies, all screening is performed on a best efforts basis to avoid exposure to identified issues. Vicus Capital maintains no direct control over securities purchased or sold by third party managers. As such, Vicus Capital makes no guarantees that ownership of securities involved in identified issues will be avoided. Portfolio holdings may violate identified issues during transition periods. Individual managers utilized may perform additional screening. On a periodic basis, Vicus Capital screens portfolios using software and research analysis. Certain securities such as bonds, money markets, and derivatives are not subject to screening using software and are not included in this analysis. In addition, some companies may not be included within the research universe and are not subject to analysis. Vicus Capital believes that holdings and screening information provided to the firm to be accurate, but accuracy cannot be guaranteed. Custodial services are provided through Fidelity Brokerage Services and Charles Schwab. In-kind transfers are dependent upon custodial platform offerings.
2 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$75,000
Fee schedule starts at 0.55%
1 As it relates to the ESG Strategies, all screening is performed on a best efforts basis to avoid exposure to identified issues. Vicus Capital maintains no direct control over securities purchased or sold by third party managers. As such, Vicus Capital makes no guarantees that ownership of securities involved in identified issues will be avoided. Portfolio holdings may violate identified issues during transition periods. Individual managers utilized may perform additional screening. On a periodic basis, Vicus Capital screens portfolios using software and research analysis. Certain securities such as bonds, money markets, and derivatives are not subject to screening using software and are not included in this analysis. In addition, some companies may not be included within the research universe and are not subject to analysis. Vicus Capital believes that holdings and screening information provided to the firm to be accurate, but accuracy cannot be guaranteed. Custodial services are provided through Fidelity Brokerage Services and Charles Schwab. In-kind transfers are dependent upon custodial platform offerings.
2 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$60,000
Fee schedule starts at 0.40%
1 As it relates to the ESG Strategies, all screening is performed on a best efforts basis to avoid exposure to identified issues. Vicus Capital maintains no direct control over securities purchased or sold by third party managers. As such, Vicus Capital makes no guarantees that ownership of securities involved in identified issues will be avoided. Portfolio holdings may violate identified issues during transition periods. Individual managers utilized may perform additional screening. On a periodic basis, Vicus Capital screens portfolios using software and research analysis. Certain securities such as bonds, money markets, and derivatives are not subject to screening using software and are not included in this analysis. In addition, some companies may not be included within the research universe and are not subject to analysis. Vicus Capital believes that holdings and screening information provided to the firm to be accurate, but accuracy cannot be guaranteed. Custodial services are provided through Fidelity Brokerage Services and Charles Schwab. In-kind transfers are dependent upon custodial platform offerings.
2 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$2500
$50,000
0.65%
1 As it relates to the Faith Based Strategies, all screening is performed on a best efforts basis to avoid exposure to identified issues. Vicus Capital maintains no direct control over securities purchased or sold by third party managers. As such, Vicus Capital makes no guarantees that ownership of securities involved in identified issues will be avoided. Portfolio holdings may violate identified issues during transition periods. Individual managers utilized may perform additional screening. On a periodic basis, Vicus Capital screens portfolios using software and research analysis. Certain securities such as bonds, money markets, and derivatives are not subject to screening using software and are not included in this analysis. In addition, some companies may not be included within the research universe and are not subject to analysis. Vicus Capital believes that holdings and screening information provided to the firm to be accurate, but accuracy cannot be guaranteed. Custodial services are provided through Fidelity Brokerage Services and Charles Schwab. In-kind transfers are dependent upon custodial platform offerings.
$2500
$50,000
0.65%
1 As it relates to the ESG Strategies, all screening is performed on a best efforts basis to avoid exposure to identified issues. Vicus Capital maintains no direct control over securities purchased or sold by third party managers. As such, Vicus Capital makes no guarantees that ownership of securities involved in identified issues will be avoided. Portfolio holdings may violate identified issues during transition periods. Individual managers utilized may perform additional screening. On a periodic basis, Vicus Capital screens portfolios using software and research analysis. Certain securities such as bonds, money markets, and derivatives are not subject to screening using software and are not included in this analysis. In addition, some companies may not be included within the research universe and are not subject to analysis. Vicus Capital believes that holdings and screening information provided to the firm to be accurate, but accuracy cannot be guaranteed. Custodial services are provided through Fidelity Brokerage Services and Charles Schwab. In-kind transfers are dependent upon custodial platform offerings.
$45,000
Fee schedule starts at 0.45%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$75,000
Fee schedule starts at 0.55%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$75,000
Fee schedule starts at 0.55%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$65,000
Fee schedule starts at 0.45%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$50,000
Fee schedule starts at 0.45%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$2,500
0.65%
Financial advisor receives 0.25% of this fee as the “Referring Associate”
$50,000
Fee schedule starts at 0.45%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$60,000
Fee schedule starts at 0.45%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$50,000
Fee schedule starts at 0.30%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$60,000
Fee schedule starts at 0.45%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$2500
$25,000
0.65%
$25,000
Fee schedule starts at 0.45%
1 Vicus Capital is solely responsible for the fund selection and construction of the portfolios and neither Capital Client Group, Inc. nor its affiliates are involved in such activities.
2 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$75,000
Fee schedule starts at 0.33%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$150,000
Investment management fee is
a standard blended household
calculation comprised of the fee
schedules associated with the
strategies utilized
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.
$250,000
Fee schedule starts at 0.55%
1 Suggested minimum value. Accounts may be opened with initial values below the listed amount.