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 on a daily average basis over the prior month.

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 their linked bank accounts.

  • 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). See the Fee Schedule for ACH return fee details.
  • For holders of multiple account types (i.e., Individual + IRA), account fees will be debited from the bank account linked to the account holder's earliest active Titan account.

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

Simply check your transfer history on the Account tab in the app.

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.

In addition, note that the $10,000 net deposit threshold is evaluated on an average daily basis across each month. This means that if you have $5,000 in net deposits over the first half of a month and $10,000 in net deposits over the second half of that month, you would have $7,500 in net deposits for that month. Such an account would reach $10,000 in average net deposits the following month (assuming no deposits or withdrawals).

Can you provide some examples of how fees are charged?

Sure, please see below.

  • A client who has $10,000 deposited throughout the entirety of June would have an average daily deposit value of $10,000. If the average daily market value of that client's account over June is $11,000, this client would be billed roughly $9.17 at the beginning of July (1% / 12 months x $11,000).
  • A client who has $5,000 deposited through the entirety of June would have an average daily deposit value of $5,000. This client would be billed a fixed $5 monthly fee at the beginning of July.
  • A client who has $5,000 deposited through the first half of June and $10,000 deposited over the second half of June would have an average daily deposit value of $7,500. This client would be billed a fixed $5 monthly fee at the beginning of July, and would be billed the percentage fee in August (assuming no withdrawals over the interim).

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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