PlannerFees

Cottonwood Wealth Strategies, LLC fees and pricing

Financial planner in Salt Lake City, Utah. Registered with the SEC.

According to its Form ADV Part 2A brochure dated March 27, 2026, Cottonwood Wealth Strategies, LLC charges an annual fee of $20,000 for financial planning.

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 27, 2026. Fees can change, so confirm with the firm before you hire them.

Annual fee
$20,000/yr
“There is no minimum fee required for financial planning or consulting services; however financial planning and consulting fees shall generally not exceed $20,000 annually.”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Cottonwood Wealth Strategies, LLC bills

Payment and refund terms, quoted from the fee section of the brochure.

  • “Fees are generally billed in advance each calendar quarter based on the market value of the assets under management/advisement on the last day of the previous calendar quarter.”
  • “Fees for financial planning and/or consulting services can be billed at an hourly rate, fixed rate, or project basis in advance on a monthly or quarterly basis.”
  • “For stand-alone financial planning services, the agreement between Cottonwood Wealth Strategies and the client will 12 terminate upon delivery of the plan or completion of the service.”

How Cottonwood Wealth Strategies, LLC’s fees compare

  • Its annual fee of $20,000 is above the Utah median of $10,750. 94% of the 16 other Utah planners that publish an annual fee charge less.
  • 2 of the 2 other planners in Salt Lake City that publish an annual fee charge less.

About Cottonwood Wealth Strategies, LLC

“About Our Firm Cottonwood Capital Advisors, LLC, doing business as Cottonwood Wealth Strategies, LLC (“Cottonwood Wealth Strategies”) is a fee-only registered investment adviser that provides investment management and financial advisory services to individual and institutional investors to help them achieve their…”
From the firm's description of its advisory business in its Form ADV brochure.
  • Principal: Thomas Pappas
  • Firm size: 5 employees.
  • Registered as an adviser: 2020 (6 years).

Firm details from Form ADV

How the firm is paid
Hourly fees, fixed or flat fees, percentage of assets under management
Charges a % of assets
Yes
Highest asset based fee in brochure
2.05% a year
Minimum
No minimum stated in brochure
Clients
230
Employees
5
Works with
Individuals, high net worth individuals, pooled investment vehicles, and charities
Services reported to regulators
Financial planning, portfolio management for individuals and small businesses, portfolio management for pooled investment vehicles, pension consulting, and selecting other advisers
Assets managed
$278,976,451
Registered with
U.S. Securities and Exchange Commission
Disciplinary disclosures
None reported
SEC CRD number
311272
Website
cottonwoodws.com (opens in new tab)
Phone
(385) 853-5000

Can advise clients in 7 states: Arizona, California, Colorado, Idaho, Oregon, Texas, Utah

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