Pricing
The full fee schedule, in public, in plain dollars.
Most independent advisors on Long Island will not put their fee schedule on a website. Camba Capital will. The firm is paid only by its clients — no commissions, no platform fees, no 12b-1 trails, no product revenue, no kickbacks. The schedule below is the whole story.
Tiered AUM schedule
Tiered, blended, and falling as the household grows.
Each tier applies only to the dollars within that band, so the effective rate on the household drops as assets grow. A $1.5 million household effectively pays 0.83% blended; a $3 million household effectively pays around 0.77%.
Tier 1
0.90%
First $500,000
Annual fee on the first $500,000 of household assets under management.
Tier 2
0.80%
$500,000 – $1,500,000
Annual fee on assets between $500,000 and $1,500,000.
Tier 3
0.70%
Above $1,500,000
Annual fee on every dollar above $1,500,000.
What this looks like vs the LI industry average
Side by side, in real dollars, every year.
Independent surveys consistently put the Long Island advisory average between 1.00% and 1.25% AUM for households of these sizes. The right column shows the gap. Over a working household's last fifteen years before retirement, that gap compounds into real money — often six figures.
| Portfolio size | Camba annual fee | Blended rate | LI industry avg (1.00–1.25%) | Annual difference |
|---|---|---|---|---|
| $250,000 | ≈ $2,250 / year | 0.90% | ≈ $2,500 – $3,125 | Up to $875 / year |
| $500,000 | ≈ $4,500 / year | 0.90% | ≈ $5,000 – $6,250 | Up to $1,750 / year |
| $1,000,000 | ≈ $8,500 / year | 0.85% | ≈ $10,000 – $12,500 | Up to $4,000 / year |
| $2,000,000 | ≈ $16,000 / year | 0.80% | ≈ $20,000 – $25,000 | Up to $9,000 / year |
| $3,000,000 | ≈ $23,000 / year | 0.77% | ≈ $30,000 – $37,500 | Up to $14,500 / year |
Illustrative only. Actual fees depend on the specific assets under management on the day the quarter is calculated. Industry-average ranges are illustrative comparisons drawn from public independent advisor surveys (e.g., Kitces Research, Bob Veres' Inside Information, AdvisoryHQ) and from publicly published fee schedules of comparable Long Island firms. Actual competitor fees vary.
How billing actually works
No surprises. No invoices. No work paid for in advance.
Calculation
Each quarter, Camba Capital calculates the fee on the average of your three monthly account balances — not on a single month-end snapshot that could be inflated by a temporary market spike. The fee is then debited directly from the custody account at Fidelity Institutional or Altruist. You never write a check, and you never pay up front for work that has not happened yet.
What is included
Portfolio construction, ongoing rebalancing, tax-aware lot selection, household-level financial planning, annual reviews, ad-hoc decision support between meetings, and direct phone access to Dan Zimon. Tax coordination with the household's CPA and estate coordination with counsel are included; the outside professionals bill separately at their own rates.
Other engagement structures
Not every household needs an AUM relationship.
Standalone financial planning
$1,500 – $7,500 flat fee, scope-dependent
Flat-fee engagements for households without an ongoing AUM relationship. Typical scope: a single decision (rollover, pension election, retirement-readiness review) or a one-time comprehensive plan. Scope and fee agreed in writing before any work begins.
Hourly consulting
$300 / hour
Hourly engagements for narrowly scoped questions, second opinions, or households that prefer to pay for time and want full ownership of execution.
Notary services
Included
Included at no additional cost for clients and prospective clients during in-person meetings. Beneficiary updates, IRA rollover forms, joint-and-survivor elections, account transfers — handled at the kitchen table instead of a trip to the bank.
Next step
A thirty-minute call to see if the math actually works for your household.
The fee schedule is published on purpose: the cost of the relationship should be the easiest thing to verify before a first call, not the hardest. The conversation is for the harder questions.