Advice from people who are paid by you, on assets we can see, with a plan you can read in an afternoon.
Investment advisory services are provided by Calder Wealth Advisors, Inc., a registered investment adviser and a wholly owned subsidiary of Calder Financial Corporation. Our advisers are compensated by salary and by a discretionary bonus tied to client retention and to the quality of the plans they write. They do not receive a commission on any product, and there is no proprietary fund in the models. Form ADV Part 2A and the relationship summary are delivered before you sign an agreement and are available at any time on request.
Cash flow, retirement funding, education funding, insurance adequacy, debt structure and the tax consequences of the sequence in which you draw accounts down. Delivered as a written plan and reviewed annually.
Six model portfolios and customized mandates above $2,000,000. Individual equities and bonds, exchange traded funds and, where a client's existing position carries an embedded gain that makes selling expensive, a plan for holding it responsibly rather than a lecture about concentration.
Turning accounts into a paycheck. Social Security claiming, required minimum distributions, and the withdrawal order that costs the least in tax.
529 plans, and an honest conversation about how much of it to fund.
Working with your attorney and accountant on the transition of a closely held business, including buy-sell funding and what happens to the operating relationship with the bank when the ownership changes. We do this jointly with Commercial Banking because the two halves of the question are the same question.
Donor advised funds, appreciated stock gifts, charitable trusts and qualified charitable distributions from an IRA.
| Assets under management | Annual fee |
|---|---|
| First $1,000,000 | 0.95% |
| Next $2,000,000 | 0.75% |
| Next $2,000,000 | 0.60% |
| Above $5,000,000 | 0.45% |
| Fixed income only mandate | 0.35%, $2,500 minimum |
Billed quarterly in arrears on the average daily market value of the account for the quarter. The minimum relationship for discretionary management is $250,000 and the minimum annual fee is $2,500. Fees do not include the internal expenses of any fund held in the account, the commissions charged by the executing broker, or transfer taxes, all of which are disclosed in the ADV and are not paid to us.
A written financial plan without investment management is $2,500, payable half at engagement and half at delivery. The fee is credited against the first year of advisory fees if you place $500,000 or more under management within twelve months of delivery. A plan update in a later year is $750 where nothing structural has changed and quoted otherwise.
Ninety minutes, no cost, no product. We ask what you own, what you owe, what you earn, what you spend, who depends on you and what you are actually worried about, which is frequently not the thing you called about. You leave with a note of what we heard and what we would look at first. Most people are not ready to sign anything at that meeting and we do not ask them to.
If you engage us, the plan takes three to five weeks depending on how quickly statements and tax returns arrive. Bring the most recent statement for every account including the ones at other institutions, the summary plan description for any employer plan, insurance policies including anything with a cash value, the deed or the closing statement on real property, and your two most recent tax returns.
Investment and insurance products and trust and fiduciary services are:
Not a deposit · Not FDIC insured · Not insured by any federal government agency · Not guaranteed by the bank or any bank affiliate · May lose value, including possible loss of the principal amount invested.