What does Titan charge?

Pricing at Titan is simple:

  • If you've deposited $10,000 or more into Titan (net of withdrawals), you'll be billed a flat 1% annual advisory fee on your account balance.

  • If you've deposited less than $10,000 into Titan (net of withdrawals), you'll be billed a fixed $5 monthly fee instead of the annual advisory fee.

All fees are assessed on a monthly basis near the beginning of each month. The $10,000 net deposit threshold is calculated at the end of the month using net transfers.

The fee structure is calculated based on net deposits across your Titan accounts so for clients who have deposits less than $10,000. For example, if you have deposited $6,000 into a Roth IRA and $2,000 into an Individual account - you would be charged $5/month. It is per client, not per account.

How are fees charged?

If you're on the 1% annual advisory fee, you'll have your fees assessed directly from a cash reserve held in your Titan account on a monthly basis.

  • In other words, each month 0.0833% of the average daily market value of your portfolio (excluding cash) will be billed from your cash reserve. This represents a 1.00% fee on an annualized basis (0.0833% x 12 months).

  • We typically hold less than ~0.5% of your total account balance in cash reserves, which allows us to assess fees in a more tax-efficient manner (vs. selling fractional shares of portfolio holdings, which could result in taxable events).

Clients on the fixed $5 monthly fee will have fees debited directly from the bank accounts linked to their Individual account. We recommend linking a checking account (not a savings account).

Fees for the current month are billed during the first week of the month following, for example October fees would be billed the first week of November.

  • Please make sure your linked bank account holds sufficient cash to cover these transfers to avoid bounced/returned transfers.

  • If your linked bank account holds insufficient funds or generates a bounced/returned ACH transfer, we reserve the right to bill your fixed $5 monthly fee and/or any returned transfer fees via a fractional sale from your Titan portfolio (or via debit of available cash held in your Titan account).

  • We recommend linking a checking account (not a savings account) because savings accounts typically have monthly withdrawal limits (e.g., 6 withdrawals per month) which can cause returned ACH transfers if the fixed monthly Titan fee puts your savings account above its monthly withdrawal limit.

  • We typically hold less than ~0.5% of your total account balance in cash reserves, which allows us to assess fees in a more tax-efficient manner (vs. selling fractional shares of portfolio holdings, which could result in taxable events).

How can I see which fee structure I'm under?

Click on the Referrals tab and then click the 'i' button next to Fee Summary.

Note that the $10,000 net deposit threshold is evaluated as a sum across all Titan accounts you own. This means if you hold $6,000 in an Individual account and $4,000 in an IRA account, you would satisfy the $10,000 net deposit threshold.

Are there any trading fees?

No, we do not charge any trading fees for trades made in your Titan account, regardless of whether it's for an investment, a withdrawal, or rebalancing.

Are there withdrawal fees?

No. Making deposits and withdrawals to/from Titan is completely free and can be initiated at any time inside the app.


Are there any other fees?

Certain uncommon client requests can result in ancillary fees - for example requesting paper statements or foreign wire transfers. For a full fee schedule that outlines those uncommon ancillary fees, please see here.

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