Learn How Much American Hartford Fees Are

  • American Hartford (AHRC) is a financial services company that provides investment management and wealth management services.
  • These services are geared towards high-net-worth individuals (HNWIs).
  • C offers a variety of financial vehicles, including mutual funds, managed accounts, advisory accounts, and separately managed accounts.

American Hartford (AHRC) is a financial services company that provides investment management and wealth management services. These services are geared towards high-net-worth individuals (HNWIs). AHRC offers a variety of financial vehicles, including mutual funds, managed accounts, advisory accounts, and separately managed accounts.
American Hartford's products and services are offered through the company's two main subsidiaries: American Funds Distributors, LLC and American Funds Advisers, LLC. American Funds is a mutual fund company that was founded in 1931 and is a subsidiary of Capital Research & Management, LLC.



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How Much will You Pay?

Fees can vary by product. In general, American Hartford mutual fund products have an annual expense ratio of 1.09%. Both American Hartford mutual funds and American Hartford variable annuities have minimum initial investments of $10,000. However, American Hartford variable annuities have annual account fees of $45, $75, $90, $105, $120, $135, or $150, depending on the age of the contract owner.
American Hartford variable annuities offer different guarantees, such as lifetime income, death benefits, and guaranteed minimum payouts. These products also have different annual account fees, ranging from $45 to $90. American Hartford variable annuities have surrender fees of 3% in the first year and 1% in subsequent years. The minimum initial deposit is $15,000.

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Understanding American Hartford Fees

American Hartford offers three account options:

Simple

Premium

Retirement

While American Hartford's retirement account options have minimum balances, all accounts have a minimum opening deposit of $1,000.
American Hartford charges the following:

$20 per month for accounts with less than $100,000

$20 per month for accounts with $100,000

$50 per month for accounts with $500,000

$50 per month for accounts with $5 million

Retirement Plans

American Hartford offers two types of retirement plans:
401(k): American Hartford's 401(k) plan gives employees the option of making pre-tax contributions to a retirement plan or making a Roth contribution. These contributions can be up to $18,500 for 2019 ($19,000 in 2020 and $20,000 in 2021).

Profit Sharing: American Hartford also offers a profit-sharing plan, with a contribution limit of $18,500 in 2019 and $19,000 in 2020.

The fees associated with these plans vary depending on the plan type. Fees may be assessed by plan service providers, plan administrators, and investment managers. American Hartford currently provides plan administrative and investment management services for 401(k) plans.
Investment Expenses
American Hartford does not charge fees for mutual funds in its mutual funds. Mutual funds have expense ratios, which are a percentage of the value of the fund. For 2019, American Hartford's expense ratio for mutual funds is 0.15%.

401(k) Plans

American Hartford's 401(k) plans come with four investment options: U.S. stock, international stock, U.S. bond, and international bond. The company's 401(k) plans also offer participant-directed brokerage accounts. As of 2021, American Hartford charges an administrative fee of 0.28% annually and a variable fee of 0.05% for any trades.

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457 Plans

American Hartford charges $22.98 per 100 shares for 457 plans. For plans with 10,000 or more shares, it is $17.98 per 100 shares.
Traditional IRAs
American Hartford charges $22.98 per $1,000 for traditional IRAs. For IRAs with $10,000 or more, American Hartford charges $17.98 per $1,000.

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Roth IRAs
American Hartford charges $22.98 per $1,000 for Roth IRAs. For accounts with $10,000 or more, American Hartford charges $17.98 per $1,000.

SEP IRA Plans

American Hartford charges $25 to set up and $25 per quarter for the maintenance of a SEP IRA plan.
SIMPLE IRA Plans
American Hartford charges $75 to set up and $75 per quarter for the maintenance of a SIMPLE IRA plan.

Traditional IRA Plans

The minimum initial deposit to open a Traditional IRA with American Hartford is $5,000. The annual management fee is 0.25%, with a minimum opening deposit of $500. The IRA Fee (which includes the management fee) is 0.40% if you have less than $5,000 in your account.
Roth IRA Plans
The minimum initial deposit to open a Roth IRA with American Hartford is $5,000. The annual management fee is 0.25%, with a minimum opening deposit of $500. The IRA Fee (which includes the management fee) is 0.40% if you have less than $5,000 in your account.



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Roth IRA Plans

American Hartford charges a $100 enrollment fee and a $30 account service fee. Fees are waived if the average balance of your account is below $500.

Traditional IRA Plans
American Hartford charges a $100 enrollment fee and a $30 account service fee. Fees are waived if the average balance of your account is below $500.

SEP-IRA Plans

Fees: $20 for account setup, $20 annually thereafter.
IRA Share Account
Fees: $100 annually for paper account, $50 annually for online account.

SIMPLE-IRA Plans
Fees: $20 annually for paper account and $50 annually for online account.

For more information, visit the American Hartford website.

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SIMPLE-IRA Plans

American Hartford charges the following fees:
$100 to open the SIMPLE account
$1 a month for assets under management less than $1,000
$5 a month for assets under management between $1,000 and $10,000
$10 a month for assets under management between $10,000 and $100,000
$20 a month for assets under management greater than $100,000
$15 a year for administrative services
$50 a year for custodial services
$25 a year for e-delivery of statements

Inherited IRA Plans

American Hartford's Inherited IRA accounts do not have annual fees.
Traditional and Roth IRAs
American Hartford charges $50 a year for its Traditional and Roth IRA plans, as well as $50 a year for its Roth 401(k) plans.

Annual Fee for Other Types of Accounts
American Hartford charges $50 a year for its additional accounts, including Coverdell Education Savings Accounts, Rollover IRAs, and Rollover 401(k)s.

What is the cost of American Hartford mutual funds?

The expense ratio of an American Hartford mutual fund is the cost of the fund, expressed in percentage terms. This number represents how much the fund charges you, the investor, each year.
An expense ratio represents all operating costs, including:
Management fees

Administrative expenses

Marketing expenses

Other

American Hartford expense ratios are:
American Hartford Global Dividend Fund - 0.42%

American Hartford Dividend & Income Fund - 0.43%

American Hartford Growth & Income Fund - 0.79%

American Hartford Dividend & Growth Fund - 0.68%

American Hartford Equity & Income Fund - 0.65%

American Hartford Equity & Growth Fund - 0.8%



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How can I avoid paying American Hartford fees?

American Hartford charges a $1,500 annual fee for its most aggressive equity-based annuities and $600 a year for taxable fixed annuities, according to 2017 annuity pricing data. Fees for fixed indexed annuities and variable annuities average about 0.4%, and life insurance has annual fees of about $25 to $35, depending on age and coverage amount.