From what I read, Merrill will pay advisors a reduced grid rate (20%) for households between $250K and $500K. Below $250K? In many cases, no compensation for that advisor. In other words, they’re shifting attention away from smaller accounts and rewarding only clients who cross that new threshold.
That’s a structural move. It’s a message: if your assets don’t get “big enough,” you may not be worth as much of their focus.
That doesn’t work for us…
At Dinergy, that kind of model would never fly — not because it’s unfair, but because it’s not who we are. We built this firm on “Growth… done your way,” which means:
- We listen before we calculate. Your goals, your fears, your life — not just the size of your accounts.
- Every client matters. Whether you’re at $100K, $500K, or $5M, you get the same respect and care.
- We don’t chase thresholds. We don’t structure advice to push you toward arbitrary account minimums. We structure it to help you win.
If your advisor treats “household size” as the primary filter for service, you’re not working with someone who sees you. You’re working with someone seeing your numbers.
So what do I do if this is happening to ME?
- Ask questions.
- Why was the threshold changed?
- How will it affect your personal relationship?
- Demand transparency.
- What exactly will they do for clients under the new limit?
- Evaluate fit.
- Do their incentives align with your success — or theirs?
At the end of the day, a financial relationship is built on trust. And you deserve an advisor who values your life and goals more than a compensation grid. That’s what Dinergy was built for — not chasing thresholds, but chasing your vision.
Please contact us through the contact page HERE, directly to Joe Lind at jlind@dinergywealth.com or call Joe at 513-878-0195. Remember, we focus on growth – done DIFFERENTLY.
