Payment and refund policy

How services are delivered

We provide portfolio management and financial planning and consulting services in person, by phone or by video. Services begin only after you sign a written advisory agreement. Meeting summaries, plans and other documents may be delivered by email.

How fees are paid

• Portfolio management: an annual fee based on the value of the assets we manage, billed monthly in arrears (after the month of service) and normally deducted from your account by your custodian with your written authorization.
• Hourly financial planning and consulting: billed monthly in arrears, either by invoice or, if you choose, by deduction from an account you designate in writing. Invoices may be paid by check or another method we accept, which may include a card or bank payment processed securely by a third-party payment processor.
• We generally do not bill fees in advance, and we never require or solicit payment of more than $500 per client six or more months in advance of services.

Ending an engagement

• You may end any advisory agreement without cost or penalty within five business days of signing it.
• After that, either you or we may end the agreement with ten days’ written notice.
• Portfolio management: you pay a pro-rated fee only for the days services were provided in the final billing period.
• Hourly planning: you pay for hours already worked through the termination date.

Refunds

Because fees are billed after services are provided, there is normally nothing to refund. If you ever paid any fee in advance, any portion not yet earned will be promptly refunded when the engagement ends. If you have a question about a fee or believe a fee was calculated incorrectly, please contact us right away.

Questions

Centurion Financial Strategies, LLC · 3600 American Blvd W, Suite 655, Bloomington, MN 55431
612-284-2409 · dave@daviddenniston.com