Margin fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 30, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$495/hr

“Or, we will bill hourly, Page 9 of 29 by the minute at $495 per hour.”

Flat or project fee

Up to $5,000

“In addition to the quarterly fee, MARGIN charges a one-time onboarding fee, which can range from $0 to $5,000.”

Quarterly fee

$2,000⁠-⁠$30,000/qtr

“New quarterly fees range from $2,000 to $30,000 per quarter.”

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

How Margin bills

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

• “Advisory fees are payable quarterly in advance and are calculated based on the market value of the investments in the account, including any balances held in money market funds and cash.”
• “Upon termination of the Agreement, any pre-paid advisory fees will be prorated, and any unearned fee will be prorated and refunded.”
• “Fees payable to the Adviser for with the client’s prior permission may be automatically deducted from the client's account when due.”

How Margin’s fees compare

• Its hourly rate of $495 is above the Colorado median of $300. 92% of the 231 other Colorado planners that publish an hourly rate charge less.
• 37 of the 42 other planners in Denver that publish an hourly rate charge less.
• Its flat or project fee of up to $5,000 is below the Colorado median of $5,250. 18% of the 214 other Colorado planners that publish a flat or project fee charge less.
• 9 of the 39 other planners in Denver that publish a flat or project fee charge less.

About Margin

• Principal: Eric M. Courage
• Solo practice: one person runs the firm, so you work directly with the planner.
• Credentials named in the brochure: CFP® and CFA.
• Registered as an adviser: 2018 (8 years).

Planning areas mentioned in the brochure

• Tax planning
• Estate planning
• College planning
• Business owners
• Equity compensation
• Cash flow and budgeting
• Charitable giving

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

0.9% a year

Clients

25

Employees

1

Works with

Individuals, high net worth individuals, pension and profit sharing plans, and businesses

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, and pension consulting

Assets managed

$66,789,887

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

290094

Website

twitter.com/eric_m_courage (opens in new tab)

Phone

(303) 990-1504

Other planners in Denver that publish fees

• 46 North FinancialDenverUp to $10,000
• Alpha Capital Management Group LLCDenver$500⁠-⁠$100,000, $500⁠-⁠$100,000/yr
• Alpine Crest Private Wealth LLCDenver$25,000⁠-⁠$150,000, $25,000⁠-⁠$150,000/yr
• Altius Financial, Inc.Denver$10,000
• Artificial Alpha InvestmentsDenver$200⁠-⁠$500/hr
• Ask DollyDenver$50⁠-⁠$100/mo

Compare all 101 planners in Denver