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Business Description |
VISIT OUR WEBSITE AT WWW.WISERINVESTOR.COM
Wiser Wealth Management, Inc is a fee-only investment advisory firm offering investment management, business retirement plans, tax planning-preparation, and estate planning. We provide a process, not a commission sales presentation. Our company only grows when your assets grow.
In the financial world today there are two types of advice available to investors: brokerage accounts and advisory accounts. Unfortunately, most investors don't know the difference between the two accounts. In fact, most are not aware a difference exists. Here at Wiser Wealth Management we are Registered Investment Advisor's, which means we have a fiduciary duty to act in your best interest. |
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General Information |
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| Name of Custodial Firm: |
TD Ameritrade
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| States Licensed in: |
Georgia
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| States Willing to do Business in: |
Any State
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| Years of Experience in Financial Services: |
9
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| Number of Years with Current Firm: |
9
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| Work Experience: |
Wiser Wealth Management, Inc 2001 - Present
AXA Equitable 2000 - 2001
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| I work with the following types of clients: |
Individual Investors, Non-Profit Organizations, Businesses
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Education |
| Academic Background |
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Terry College School of Business (UGA) - Certified Financial Planner (CFP) Candidate - Present
National Tax Training School - 2005
The Estate Plan - Master of Estate Preservation -
2005
Berry College - Finance Degree 2000 |
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Services |
| Investment Types: |
Exchange Traded Funds (ETFs), Options & Futures, Bonds, Stocks, Annuities, Commodities, Mutual Funds
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
MEP
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| Securities Licenses: |
Series 66, Series 7
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| Non-Financial Organization Memberships: |
Marietta Business Association
Berry College Planned Giving Counsel
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Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
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| I work with clients as part of a team: |
Yes
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| Firm's Number of Clients: |
118
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| Firm's Number of Planning Clients: |
20
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| Firm's Number of Managed Clients: |
89
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| Assets Managed by Firm: |
$20Million
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| Advisor's Number of Clients: |
118
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| Advisor's Number of Managed Clients: |
89
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| Advisor's Number of Planning Clients: |
20
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| Assets Managed by Advisor: |
$20million
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Compliance |
| Registered Investment Advisor: |
Yes
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| Investment Advisor Representative: |
Yes
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| I am an acknowledged fiduciary: |
Yes
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| Compliance Disclosures in Last 5 years: |
I have a clean record
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| Criminal Disclosures in Last 5 years: |
I have a clean record
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Compensation & Fees |
| I am a fee-only financial professional: |
Yes
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| Minimum Portfolio Size for New Managed Accounts: |
$0
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| Compensation Methods: |
Hourly, Flat Fee, Based on Assets
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| Fee % Based on Assets: |
.9 to1.5
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| Additional Details on Charges: |
Flat fee is for Trust Services.
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| Minimum Fee Charged for Managed Accounts: |
$0
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| Minimum Fee Charged for Hourly Planning Accounts: |
$200
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| Prepared By: |
Casey Smith |
Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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If the client is not happy with the services provided, we will continue to work until is it done to the clients satisfaction. |
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| Q. |
What are your qualifications? What is your education background? |
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Our planners are currently candidates for the CFP designation and also have 9 years of planning experience. |
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| Q. |
What services do you offer? |
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We offer financial planning, portfolio management and tax preparation services. |
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| Q. |
How many clients do you currently manage? |
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As of year end 2007 we had 118 clients. |
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Will you be the only person working with me? |
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No, we have a team of advisors that work together in their area of expertise to develop a comprehensive financial plan. |
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| Q. |
How are you compensated? How will I pay for your services? |
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We are a Fee Only firm, meaning that we charge a flat hourly rate for planning services. |
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| Q. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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We normally have discretionary authority to make trades. Once a client understands our investment philosophy this is not normally an issue. |
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| Q. |
Do you offer any guaranteed results? |
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The Financial Markets do not guarantee results, therefore we are unable to as well. |
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How much risk should I be willing to take? |
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Your risk is partly based on your investment time horizon and how much volatility in the portfolio value you are willing to endure. This will be discussed thoroughly at the first client meeting. |
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Have you ever been charged with any breaches? |
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What services do you provide? What are your specialties? |
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We offer financial planning, Estate Planning, Portfolio Management, Tax Preparation and Business Retirement Plans. |
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| Q. |
What is your experience? How many clients do you currently manage? |
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We have over 10 year of experience managing assets for individuals and institutions. We have 89 invesment clients as of Dec 2007. |
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What financial institution(s) do you represent? |
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We are an independent advisory firm that uses TD Ameritrade as our client’s custodian. |
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| Q. |
How do you charge for your services? |
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We charge a flat percentage of the assets that we manage. Our income grows when your assets grow. |
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Do you provide a free initial consultation? |
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Why should I choose you as my financial advisor? |
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Our approach avoids individual stocks, mutual funds, and annuities. We invest primarily using index funds. This approach has earned us recognition by index websites and speaking engagements worldwide. We manage risk for the return that our clients are seeking. This plus the fact we do not work for a commission makes us much more focused on the client than what our competitors could ever provide. |
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| Q. |
What are your qualifications and experience? |
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Tax returns are processed by a CPA with 10+ years of experience |
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| Q. |
Will you come to our location? |
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| Q. |
What are your qualifications and experience? |
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Tax returns are processed by a CPA with 10+ years of experience |
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Will you come to my location? |
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What are your management fees? |
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Fees are based on the size of the plan assets |
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Do you have a minimum requirement for number of employees or total investment value? |
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We can work with any size of a company. |
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What type of plans do you offer? |
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What are your qualifications? |
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We have over 10 year of experience managing assets for individuals and institutions. |
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| Q. |
What is your approach to Education Planning? |
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We recommend 529 plans for most people in GA. |
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How long does the process of setting up an Education Plan usually take? |
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What financial institutions do you represent? |
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TIAA CREF for Education Plans |
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How many years of experience do you have? |
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What are your fees for this service? |
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How many Education Planning clients do you currently manage? |
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We allow TIAA CREF to manage the plans our our behalf. |
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Do you provide a free initial consultation? |
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What are your qualifications? |
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we have 10+ years of experience providing 401K/IRA portfolio management. |
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| Q. |
What is your approach to 401 K plan rollovers? |
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Why keep your retirement money in an expensive 401K plan? We recommend that a client roll their 401K into an IRA. Once the transfer is complete the client will have much better and cheaper investment options at the client’s disposal. In the long run this will provide for a better retirement portfolio. |
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How long does the process of rolling over a 401K plan usually take? |
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2 hours for the initial meeting plus a few week for the clients old employeer to transfer the funds. |
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| Q. |
What financial institutions do you represent? |
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We are an independent advisory firm that uses TD Ameritrade as our client’s custodian. |
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| Q. |
How many years of experience do you have? |
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What are your fees for this service? |
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Fees are based on a flat percentage of the portfolio value. Our income grows when your assets grow. |
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| Q. |
How many 401K rollover clients do you currently manage? |
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| Q. |
Why should I roll over my 401K plan to your firm? |
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Our approach avoids individual stocks, mutual funds, and annuities. We invest primarily using index funds. This approach has earned us recognition by index websites and speaking engagements worldwide. We manage risk for the return that our clients are seeking. This plus the fact we do not work for a commission makes us much more focused on the client than what our competitors could ever provide. |
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| Q. |
Do you provide a free initial consultation? |
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