Investment portfolio for Flow to manage = $4,000,000
You're either single or a couple.

Your fee for 12 months = $35,000 ($30,000 for the first $3M and $5000 for the next $1M).

Investment portfolio for Flow to manage = $0
All your money is in your 401(k) and your house. You're a couple.

Your fee for 12 months = $13,120.