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Frequently Asked Question's 

Frequently asked questions

General questions

What services do you provide?


We provide the entire range of investment management services. We manage our client investment accounts such as brokerage accounts, traditional, ROTH, and rollover IRAs, custodial accounts, and business accounts. We jointly prepare an Investment Policy Statement with each client that determines the guidelines for managing the account and for meeting the client's goals, risk profile, and time horizon.




What types of accounts do you offer?


Individual

  • Joint – Rights of Survivorship
  • Joint – Tenants in Common
  • Joint – Community Property
  • Joint – Tenants by Entirety
  • Custodial (UGMA/UTMA)
  • Revocable Trust
Retirement Accounts
  • Rollover IRA
  • Traditional IRA
  • Roth IRA
  • SIMPLE IRA
  • SEP IRA
  • Beneficiary IRA
Business Accounts
  • Corporation-Type S
  • Corporation-Type C
  • General Partnership
  • Limited Partnership
  • Limited Liability Company – Type S
  • Limited Liability Company – Type C
  • Limited Liability Company – Partnership
  • Sole Proprietorship
Other Accounts
  • Investment Club
  • Irrevocable Trust
  • Unincorporated Organization




Are there any account minimums to start?


We do not have account minimums, but for accounts less than $50k we ask that clients commit to making regular contributions to their accounts.





Getting started

Do you offer a free consultation?


Yes, we offer one free 30 minute consultation to understand what your financial needs are, explain our services and fees, and see if there is a mutual fit.




How do I get started?


By calling, emailing, or meeting with us.




What happens when I deposit money into my account?


When you deposit money your account(s), we will work with you to design a portfolio that matches your financial goals and appetite for risk. This will be explained in a personalized document called an Investment Policy Statement that describes in detail how we will invest your money. You own shares in the stocks and ETFs that we recommend for our model portfolios and we manage all buying and selling for you.




Do I have to transfer my accounts or sell my investments?


The short answer is yes. For taxable accounts, we will work closely with you to develop a migration plan of each taxable account. There will be scenarios where we can transfer the security and then sell, and scenarios where we will have to have the security sold first and then transfer. There also may be cases where we may recommend that a security not be sold and may be transfered directly. This may take place if you have a large capital gain and the security is something that we think still has positive attributes and should be kept for a time. We will work directly with you to create this security-by-security transfer plan for you. For retirement plans, if you want to transfer your account to us, you will generally need to sell your investments. Before we can invest your retirement funds in our fully diversified portfolios, you will most likely need to sell your current holdings at your current account provider. Many providers will not accept our liquidation instructions so this will help facilitate this process.

Please note, for your IRAs and company qualified retirement plans (like 401k’s and 403b’s) selling your investments will not result in a taxable event.





Deposits and withdrawls

How do I deposit funds into my account?


You can deposit to your investment account via an existing account transfer (ACH), a check, bank bill pay, electronic funds transfer (EFT), direct deposit from a paycheck, and a wire transfer.




How do I withdraw funds from my account?


You can withdraw cash from your account at any time via check writing, a check request, electronic funds transfer, and a wire. Fees may apply for a check request and a wire transfer. Check books are available upon request.





IRA's and rollovers

How do I transfer my IRA?


To transfer your existing IRA, we will use a direct transfer process to avoid any tax consequences. A direct transfer entails your current provider sending a check of your funds directly, for your benefit. This generally can be accomplished completely on-line. All we need is a copy of your current IRA statement to get started.




Can I tranfer my current employer sponsored plan?


While we will accept any rollover funds, your plan provider may not let you roll over a 401k while you are still employed by the providing company. This same logic applies to 403b’s, pensions and other employer sponsored retirement plans. Ask your provider to see what their rules are as more and more firms are offering these in-service rollovers.




How do I rollover a 401k, 403b, or similar plans?


We will work directly with you to complete the paperwork needed from your current custodian to complete the transfer.

Please note that Traditional funds must be rolled over into a Traditional IRA and Roth funds must be rolled over into a Roth IRA. If you aren't sure which type(s) of funds you have, contact your current provider or HR representative. You can always convert a Traditional IRA into a Roth IRA after the rollover.
To see if your retirement plan is eligible to be rolled over into a Roth or Traditional IRA, please check the IRS Rollover Chart.





Investments

How do you manage my investments?


Please check out the section of our site on investment management.




What are ETF's and Index Funds?


An exchange-traded fund (ETF) is an investment fund traded on stock exchanges, much like stocks. An ETF holds assets such as stocks, commodities, or bonds, and trades close to its net asset value over the course of the trading day. Most ETFstrack an index, such as a stock index or bond index. One of the major benefits of ETF's is that the management fee's for running them are much lower than mutual funds, so you keep more of your money.