Our clients are culturally diverse and have a broad range of ages, professional backgrounds and investment goals. The majority of our clients are individuals and families, but we also work with company retirement plans and foundations. Our clients are both U.S. citizens, living at home or abroad, and cross-border and immigrant families with a connection to the United States.LESS -
We work hard to help as many people as possible, but generally clients begin working with us with at least a few hundred thousand dollars. Clients in our wealth management service tend to have more complex affairs, and in most cases begin with a higher level of investable assets. We encourage you to contact us to discuss your specific situation. There is no asset minimum for one-time retirement planning engagements.LESS -
We maintain an open-door policy with clients and are available at your convenience by phone, e-mail, web conference, and in person. Clear and candid communication is central to our process. We strive to conduct frequent client meetings. We allow our clients to dictate meeting frequency; but generally prefer to meet at least once annually.LESS -
In the United States, Registered Investment Advisors (RIAs) like Worldview are governed by the Securities and Exchange Commission (SEC) and are held to a higher standard known as a client fiduciary. As a fiduciary, we are required by law to place the interests of our clients first. We charge an advisory fee, but do not accept any hidden commissions or revenue sharing payments from third parties.
Traditional stockbrokers are governed in the United States by the Financial Industry Regulatory Authority (FINRA), and are not required to act in their clients’ best interests or to disclose all sources of compensation. They generally are paid through sales commissions, cash incentives linked to the sale of certain products, and ongoing revenue sharing payments from the investments they sell to their clients.The major banks and brokerages are increasingly promoting fee-based pricing models in combination with other methods, which should not be confused with the “fee-only” model of a fiduciary advisor like us.
We are compensated through an asset-based advisory fee, which is calculated as a percentage of your total assets under management. The fee is calculated quarterly and is deducted directly from your account(s) at the beginning of each calendar quarter. Please contact us for additional details regarding our management fee schedules.LESS -
Worldview maintains relationships with two leading custodians: Charles Schwab and Fidelity Investments. Client assets are never transferred into our possession. We will help to consolidate your assets at one custodian, including taxable accounts, trusts, IRAs, custodial, college savings, and any other accounts. From there, we will take action on your behalf inside of your investment accounts.LESS -
Yes, clients maintain full access to their investments through their independent custodian’s website.LESS -
You will receive monthly statements, trade confirmations, and year-end tax reports as well as complete online access to your investment accounts directly from your independent custodian. Additionally, you will receive a detailed quarterly report from Worldview that includes account statements, a performance report and a portfolio update.LESS -
Yes, Worldview will provide you with guidance on how to allocate your retirement plan in keeping with your stated investment objectives. This investment advice is included in our investment management service and will not be billed separately.LESS -
One benefit of our role as your fiduciary is that we are free to work cooperatively with your trusted professional advisors, including your tax professional, attorney, or any other advisor. We can also refer you to a competent professional should you need one.LESS -
We invite you to call us to discuss our services and your needs and objectives. We will introduce you to our investment approach and discuss how it may be applied to your unique circumstances. If our services align with your requirements, we willthen formalize our relationship and take steps to open your accounts, transfer assets, and begin investing.LESS -