The 0.13% is not paid to Guideline. The .10% is the average fund fee (the cost of the mutual fund from the manager, Vanguard for instance) and the .03% custodia

The 0.13% is not paid to Guideline. The .10% is the average fund fee (the cost of the mutual fund from the manager, Vanguard for instance) and the .03% custodial charge that is a direct pass through for us. Not marked up in any way. It is important to have a great custodian.