ASSET | WEALTH | RETIREMENT
ASSET | WEALTH | RETIREMENT
How is CWM Direct 401(k) Management Different?
We’re not a robo-advisor or “one-size-fits-all” provider. We’re real people with the same goals as you, and we want to help you to achieve them.
When will I see results?
For the best results, we take a long-term approach to investing. That means you may not always see an immediate return, especially if there is market turbulence. However, rest assured that avoiding short-term gambles and focusing on quality investments is a proven way to build your wealth.
Do I have to do anything different?
Not unless you want to. We’re here to provide you with expert guidance and advice that will help to achieve your financial goals. But we will never ask you to make any changes to your account that you’re uncomfortable with.
Why does rebalancing help my performance?
Rebalancing is when you realign your assets according to the desired mix of your portfolio. By doing this, rebalancing effectively forces you to “buy low” and “sell high” – the sage old investment philosophy that most of us forget to practice. Not only does this help protect your portfolio from market volatility, but it can also produce higher average returns.
Am I transferring my 401(k) account to CWM?
No, your 401(k) account will stay right where it is. We’ll just link your account to our secure platform so that we can better help you to manage it.
What investment choices will I have?
Your investment choices will stay the same as they currently are. Our service will help you choose which ones are best suited to your needs.
How is my 401(k) linked to CWM?
After you’ve created your account with us, you’ll be given a link that will change the phone number connected to your 401(k) plan. This will allow us to securely access the account and make changes on your behalf. Rest assured you will be notified anytime a change is made.
How quickly will you start working on my account?
Once your 401(k) has been linked to our platform, our team will begin making changes in no more than 5 days. From there you can expect regular quarterly reviews and adjustments as necessary.
Do I need to speak with a financial advisor?
That’s part of our service! To help us better understand your financial goals and tolerance for risk, we want to schedule an initial meeting. After that, we’re available to discuss things with you whenever you want.
How much will this cost?
Depending on your account value, your estimated cost will range from .15% to .25% quarterly. We’ll bill this to your credit card monthly and adjust your payments at the end of each calendar quarter as your portfolio changes.
How do I pay?
Payments are automatically billed to your credit card monthly.
Does CWM receive commissions?
No. We're a fiduciary, and that means we are not allowed to receive commissions. Our role is to simply assess your financial situation and then help you make the best decisions for your 401(k) plan as much as possible.
What is a fiduciary?
We're a fiduciary. This means that we have a legal responsibility to act in your best interest at all times and always disclose any potential conflicts of interest. We hold your trust in the highest regard and would never want to do something to compromise this relationship.
What if I change jobs?
No problem! Lots of people change employers all of the time. We can help by explaining what options you have for your 401(k) and what you should do next.
Can I cancel at any time?
Yes. You are not locked into any contract or obligation. If you feel you no longer require our service, simply let us know.
Investment advice offered through IPI Wealth Management, Inc. 226 W. Eldorado St. Decatur, IL 65222. PHONE: 217-425-6340. Clearstone Wealth Management is not affiliated with Investment Planners, Inc. or IPI Wealth Management, Inc.
Copyright © 2018 Clearstone Wealth Management - All Rights Reserved.
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