Frequently Asked Questions
How can I become a client?
The minimum to have an account managed by KW Management is $250,000. Our advisor has a maximum number of clients per practice in order to streamline our operations and service efficiency by delivering sustainable client contact rate and cover the minimum operation expense for continuous technology and customized investment research fee.
What is the fiduciary standard?

This means that KW Wealth will only act in the best interests of your clients and to provide investment advice in our clients’ best interests. We only owe duty of undivided loyalty and utmost good faith to our client. We have code of ethic and a strong culture of  compliance. Furthermore, we owes our clients specific duties as a fiduciary:

             

Where would my investments be held?
Client asset are held at the custodian. We are currently using Interactive Brokers as our sole custodian. Custodians are responsible for the safekeeping of the client's assets. Customer's accounts at Interactive Brokers LLC are protected by the Securities Investor Protection Corporation ("SIPC") for a maximum coverage of $500,000 (with a cash sublimit of $250,000) and under Interactive Brokers LLC's excess SIPC policy with certain underwriters at Lloyd's of London for up to an additional $30 million (with a cash sublimit of $900,000) subject to an aggregate limit of $150 million. Futures and options on futures are not covered. The specific duties and responsibilities of the custodian are:
              
 
It is KWML's firm policy that our firm will not serve as trustee, we will not have custody of our client's asset and our transfer any securities or money besides to and from the name of the account holder.
 
What is the difference between RIA and Broker-Dealer?

Investors seeking professional advice have two main types of financial services firms from which to choose: Registered Investment Advisor (RIA) and Broker-Dealer.  RIAs are subject to a “fiduciary” standard when servicing their clients. This means that their investment recommendations have to be in the best interest of their clients and that their clients’ interests must come first. Brokers are held to a “suitability” standard, which is slightly less diligent. The suitability standard means that brokers make investment recommendations that are reasonably suitable for their clients’ financial objectives and needs.  

What does it mean when you are independently owned?
We are an independent, privately held company and brokerage services are provided by a brokerage custodian with FDIC and SIPC coverage. We work for our clients and nobody else.
What kind of assets do you use in your portfolio?
We generally limit investment advice to mutual funds, fixed income securities, insurance products including annuities, equities, ETFs (including ETFs in the gold and precious metal sectors), treasury inflation protected/inflation-linked bonds, non-U.S. securities and private placements. We may use other securities as well to help diversify a portfolio when applicable.
How do you charge for your services?

We are paid based on a percentage of assets under our direct management or Fee-only Financial Planning. For portfolio management , the fee is calculated under the percent of net asset value. It is calculated daily as an annualized percentage of 1% multiplied by the net asset value of the portfolio  It is only deducted on a quarterly basis.

No commissions. We don't sell products. 

1. Collect suitability and investment profile information.

2. Provide advice that is suitable, appropriate, and in the client’s best interest.

3. Give full disclosure of material facts and any potential or actual conflicts of interest to clients and prospective clients

4. Serve with loyalty and in utmost good faith

5. Exercise reasonable care to avoid misleading a client; and 6. Make all efforts to ensure best execution of transactions. 

1. Value the holdings. 
2. Collect all income and dividends owed to the client. 
3. Settle all transactions (buy-sell orders). 
4. Provide monthly reports that detail transactions, cash flows, securities held and their current value, and change in value of each security and the overall client since the previous report. 

We listen to your needs. Your best interest always comes first.

916-758-9218

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2931 Land Park Drive

Sacramento CA 95818

2377 Gold Meadow Way, Unit 100

Gold River, CA 95670

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Based in California, United States of America

KW Wealth Management LLC is not a law firm or CPA firm. The materials presented is intended for education and information only. If you require the service of an attorney or CPA, we recommend you seek out one and verify their experience.  

A copy of the firm’s Form ADV is available through the SEC’s website at www.adviserinfo.sec.gov. Individual securities licenses and disclosure

are available through https://brokercheck.finra.org, or upon request.

Past performance is no guarantee of future results. Inherent in any investment is the potential for loss.

 

© 2020 KW Wealth Management

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