It’s always best to investigate before you invest! At KWB Wealth Managers Group we believe this is important for you and for us. That’s why we offer potential clients a complimentary initial consultation. During the hour or so we spend with you, we attempt to learn about your financial goals – and your commitment to reaching them. We also use the time to educate you about the KWB investment philosophy and the institutional investment process we follow to help you reach your long-term goals. Becoming acquainted in this way helps us determine whether our services will meet your needs. In the end, hiring an advisor is like hiring a coach. Ultimately, it’s a partnership where you and your coach are focused on achieving a mutually desired goal. Both you and your coach must stick to your strategy and follow through with your commitments in order to make success easier to achieve.

If after your initial consultation you and your KWB Wealth Manager determine that account minimums are met and an ongoing commitment is in both your interests, you can then decide which payment schedule is best for you. KWB offers both fee-based and commission-based arrangements. The fee-based arrangement works best for larger accounts and comprehensive planning. The commission-based arrangement is available in some circumstances where comprehensive planning is not needed. Regardless of the payment schedule you choose, your Wealth Manager will disclose fees and costs, and suggest the most appropriate arrangement for engagement of services.

The fee-based payment schedule:
Under this arrangement an annual percentage fee is assessed based on the value of your account. The percentage fee is charged proportionately every three months based on the value of the account. This arrangement ensures that all parties have a shared interest. The actual amount paid rises and falls as a natural result of account fluctuations. Most clients prefer this arrangement as it minimizes potential conflicts of interest. Additionally, the firm does not receive income for making changes or trading. Any portfolio changes are designed to enhance the portfolio values based on the client’s stated objective. This arrangement generally provides totally liquidity. It costs nothing to invest and nothing to liquidate (small transaction fees for purchasing and redeeming may apply, not as a commission, but as a confirm fee). The annual percentage fee varies on account size, investment objective and the comprehensive nature of the account.

The commission-based payment schedule:
Under this arrangement a fee or commission is charged for the purchase of each investment. Depending on the investment type and attributes, an up-front fee may be levied on the original purchase or a rear-end charge may apply if liquidation occurs within a pre-determined time-frame. Investments carry many forms of compensation. KWB Wealth Managers will disclose the cost and fees involved in any transactions.