Pricing
Two ways to work with Camba, both published in plain English.
Camba Capital serves households two different ways depending on where the complexity actually lives. Tiered AUM for households where investment management is the primary need. A flat Household CFO retainer for households whose value is coordination across pension, taxes, estate, and insurance. The firm is paid only by its clients. No commissions, no platform fees, no 12b-1 trails, no product revenue, no kickbacks.
Option A. Tiered AUM
Investment management, billed as a share of what's managed.
The traditional AUM structure, for households whose primary question is “how should my portfolio be built and drawn down.” Each tier applies only to the dollars within that band, so the effective rate falls as the household grows. 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.
| Portfolio size | Annual fee | Quarterly | Blended rate |
|---|---|---|---|
| $250,000 | ≈ $2,250 / year | ≈ $563 / quarter | 0.90% |
| $500,000 | ≈ $4,500 / year | ≈ $1,125 / quarter | 0.90% |
| $1,000,000 | ≈ $8,500 / year | ≈ $2,125 / quarter | 0.85% |
| $2,000,000 | ≈ $16,000 / year | ≈ $4,000 / quarter | 0.80% |
| $3,000,000 | ≈ $23,000 / year | ≈ $5,750 / quarter | 0.77% |
Illustrative only. Actual fees depend on the specific assets under management on the day the quarter is calculated. Fees are calculated each quarter on the average of three monthly balances and debited directly from the household's independent custody account. No account minimum. No invoice.
Option B. Household CFO
A flat annual retainer for the household whose complexity isn't portfolio size.
Some households don't need more investment management. They need one fiduciary coordinating the whole picture. A pension election that needs to talk to a Social Security claiming strategy that needs to talk to a Roth conversion schedule that needs to talk to a trust document and an outdated life policy. The Household CFO retainer is one flat annual fee, one invoice, one point of contact across all of it.
Investment management
Household portfolios held by an independent SIPC-member custodian. Camba never takes possession of client funds. Construction, rebalancing, tax-aware lot selection, Roth conversion sequencing, and a written investment policy statement included.
Tax coordination oversight
Working directly with the household's CPA on return preparation, estimated payments, Roth conversion timing, realized-gain budgets, and the annual 1099 / K-1 reconciliation. Camba does not file returns; it makes sure the return reflects the plan.
Estate document review
Annual review of wills, trusts, healthcare proxies, and powers of attorney alongside the household's attorney. Beneficiary reconciliation across every retirement and taxable account so the documents and the accounts actually agree.
Insurance audit
Annual review of life, disability, long-term care, auto, homeowners, and umbrella coverage. Not a product sale. A third-party read of whether the policies still fit the household.
The retainer is quoted in writing after a scoping call, based on the actual complexity. Number of accounts, number of professionals to coordinate with, number of entities or properties, and whether there are concentrated positions or stock comp in the picture. Billed quarterly or annually in advance. Households can move from the AUM structure to the CFO retainer (or the other way around) at any contract anniversary.
How billing actually works
No surprises. No commissions. Paid only by the client.
Calculation
AUM fees are calculated each quarter on the average of your three monthly account balances, not a single month-end snapshot that could be inflated by a temporary market spike. Household CFO retainers are agreed in writing before the engagement begins and billed on the cadence you choose.
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 ongoing relationship.
Standalone financial planning
$1,500 – $7,500 flat fee, scope-dependent
Flat-fee engagements for households without an ongoing relationship. Typical scope: a single decision (pension election, 403(b) rollover, 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 which structure fits 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.