Client Fee Explanation and Manager Fee Disclosure
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- Lilian Sparks
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1 Client Fee Explanation and Manager Fee Disclosure The pricing of PruStrategist Portfolios (PSP) is different than any of the other managed money programs offered through Pruco Securities. Below, please find a description of each component that makes up the annual Client Fee. Sponsor Fee - Comprised of two components which are not negotiable: 1) The Firm Fee; and 2) the Manager Fee. Firm Fee: You are paying a Firm Fee between 0.40% and 0.25%, depending on the level of assets in the program, to compensate Prudential Financial Planning Services 1, Envestnet Asset Management, Inc. and National Financial Services LLC ( NFS ) for providing their respective services as described in the Program Agreement. The Firm Fee is applied to all program assets. Manager Fee: You are also paying a Manager Fee to compensate the Manager for licensing the managed account(s) it creates and maintains for the managed account that IAR selected for your Portfolio Model. Envestnet may retain a portion of the Manager Fee as a compensation component for providing administrative support to the Manager and for providing the investment advisory services to you as described in the Program Agreement. The Manager Fee may change, without notice, but will not exceed the ranges disclosed in the then-current PFPS Brochure. Manager Fees vary by managed account and are displayed in Appendix 1 below. Advisor Fee: - This component of the Client Fee can range from % to % depending on the level of assets invested through the Program and negotiation between you and the Investment Adviser Representative (IAR). You and your IAR may negotiate or renegotiate the Advisor Fee component in accordance with the Program Agreement and PFPS's Form ADV Part 2A Appendix 1 ( ADV ) for the Program. The Advisor Fee compensates IAR for providing services to you on behalf of PFPS through the Program. PFPS retains a portion of the Advisor Fee. Client Fee - The Sponsor Fee plus the Advisor Fee is the Client Fee. It can range from % to 2.25% depending on the Manager Fee, amount of assets in the program and the Advisor Fee. The Client Fee may change with updates to the Managed Accounts, which will reflect in the next billing cycle. The Client and the IAR may renegotiate the Advisor Fee at any time, which will also change the Client Fee. The Client Fee is displayed on the Statement of Investment Selection. It is calculated annually and assessed quarterly based on the assets in the program. 1 Pruco Securities, LLC ( Pruco ) d/b/a Prudential Financial Planning Services ( PFPS ) when providing investment advisory services and programs.
2 PruStrategist Portfolios Fee Ranges PSP Wrap Fee Chart Account Size/Tiers Min Advisor Fee Advisor Fee R a Firm Fee Manager Fee Range Max Advisor Fee Firm Fee Model Fee Rep Minimum Client Fee Range Recommended Rep Maximum $0 - $249, % % % 0.00%-0.65% 1.10% % 1.30% % 1.60% % $250,000 - $499, % % % 0.00%-0.65% 1.05% % 1.25% % 1.60% % $500,000 - $999, % % % 0.00%-0.65% 1.00% % 1.20% % 1.60% % $1,000,000 - $2,999, % % % 0.00%-0.65% 0.90% % 1.10% % 1.45% % $3,000,000 - $4,999, % % % 0.00%-0.65% 0.80% % 1.00% % 1.35% % $5,000,000 and above % % % 0.00%-0.65% 0.75% % 0.95% % 1.30% %
3 Additional Questions What assets are included in the Client Fee calculation? All mutual funds, ETFs, and investments in the core sweep investment vehicle held in the account will be included in calculating the Client Fee. Are there any investments excluded from fees? Mutual funds managed or sub-advised by an affiliate of Pruco are excluded from the Firm Fee and Advisor Fee components of the Client Fee. Will 12b-1 fees from mutual funds and ETFs available through PSP be credited back to clients? Yes. You will receive a credit in your brokerage account for any 12b-1 fees are paid in connection with mutual funds and ETFs though PSP. This credit will be applied only if such 12b-1 fees were otherwise payable to Pruco and were received by NFS from the mutual fund or ETF issuer to enable NFS to credit the fee back to the client What is negotiable? The Advisor Fee component of the Client Fee is negotiable between you and the IAR. The range is between 0.50% and 1.20%. The Advisor Fee component cannot be negotiated below the minimum or above the maximum, as set forth in the ADV. Is 12b-1 fee being credited back to clients? To the extent a client pays any 12b-1 fees for purchasing a mutual fund through PSP model, the client will receive a credit in his or her brokerage account for any such 12b-1 fee paid. This credit will be applied only if such 12b-1 fee was otherwise payable to Pruco as the distributor and that it was actually received by NFS from the fund company to credit back to the client.
4 How are the Client Wrap Fees calculated? For example, consider a client choosing a PSP model with a 0.30% Strategist fee, investing $200,000 and a standard Firm Fee of 0.40% at that investment level. The Firm Fee of 0.40% and a model Fee of 0.30% combine to make a Sponsor Fee of 0.70%. The Advisor Fee would default to 0.90% at $200, % would be the Client Fee applied to this account. (Sponsor Fee + Advisor Fee = Client Fee or (0.40%+0.30%+0.90%=1.60%). Note that only the Sponsor Fee, and not the Firm Fee or Manger Fee, displays on the SIS and in the online proposal. For a larger account values, the fees are assessed and applied in tiers creating a blended rate. Assume everything stays the same, but the client is investing $3,500,000 now. See example 1, this establishes a blended client wrap fee rate of 1.37%. The blended advisor fee is calculated by adding the dollar amount charged at each tier and dividing by the total value; $26,875/$3,5MM= 0.77%. As before, add the Advisor rate to the Sponsor rate to get the Client wrap fee. The blended rate will not appear on the SIS, it only appears in the online proposal. If you would like a flat rate, see example 2, this what the FP would have to do to make a flat Advisor Fee of 0.70%. Each tier would need to have the discount entered in MAS. Note that the Sponsor Fee is calculated based on the value of the account and not tiered like the Advisor fee.
5 Appendix 1: PruStrategist Portfolios Manager Fees Strategy Manager Fee* Strategy Style Mutual Fund / ETF BCM Sector Strategies (Monthly) 0.27% Tactical - Equity ETF BCM Sector Strategies (Weekly) 0.50% Tactical - Equity ETF Blackrock Balanced Income 0.02% Dynamic - Risk Based ETF Blackrock Balanced Income 0.02% Dynamic - Risk Based MF/ETF BlackRock Target Income 0.02% Dynamic - Risk Based ETF BlackRock Target Income 0.02% Dynamic - Multi-Sector Fixed Income MF/ETF BlackRock Target Allocation 0.02% Dynamic - Risk Based ETF Brinker Destinations ETFh 0.20%-0.35% Dynamic - Risk Based MF/ETF Brinker Destinations Tax Managed 0.02% Dynamic - Risk Based MF Frontier Strategy 0.17%-0.27% Dynamic - Risk Based MF Frontier Tax Aware % Dynamic - Risk Based MF JA Forlines Global Tactical 0.37% Tactical - Multi-Asset ETF Morningstar Asset Allocation 0.27% Dynamic - Risk Based MF Morningstar Asset Allocation 0.22% Dynamic - Risk Based ETF Morningstar Retirement Income 0.27% Dynamic - Multi-Asset Income MF Russell Hybrid 0.02% Strategic- Risk Based MF / ETF Russell Model Portfolios 0.02% Strategic- Risk Based MF Symmetry Precision Core 0.27% Strategic- Risk Based ETF Symmetry Structured 0.27% Strategic- Risk Based MF Vanguard S&P Model Portfolios 0.02% Strategic- Risk Based ETF *Fee rates shown are as of November 2017 and subject to change without notice, but will not exceed the ranges shown in the ADV. You can find updated information via throughout your participation in the PruStrategist Portfolios program. Investment advisory services are offered through Pruco Securities, LLC, a registered investment adviser providing advisory services under the marketing name of Prudential Financial Planning Services. Investing involves risk. Some investments have more risk than others. Investment returns and principal value will fluctuate, and investments, when sold, may be worth more or less than the original cost. There is no guarantee an investment s objectives will be achieved. Professional money management is not suitable for all Investors. Your investment objectives, risk tolerance, and liquidity needs must be reviewed before a suitable program can be recommended. Keep in mind that participating in a wrap fee program, such as PruStrategist Portfolios, does not assure a profit or protect against loss in declining markets or that your investment objective will be met. Securities products and services offered through Pruco Securities, LLC, 751 Broad Street, Newark, NJ 07102, Member SIPC.
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