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What is Wealth Coaching?
How much are your investments
costing you?
Are
you truly diversified?
Modern Portfolio Theory Quiz
Who are you, really?
Prudent Retirement Plan
Wealth Advisors Group
The Stewardship Alliance
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Wealth Advisors Group, LLC
In order to provide you with background information regarding Wealth Advisors Group, LLC, here are the answers to some questions that you might have. This statement is in lieu of Form ADV Part II, required by the Securities and Exchange Commission, to be given to all potential clients by Investment Advisor Representatives, prior to any contractual agreement.
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Wealth Advisors Group, LLC ( WAG) is a Michigan Registered Investment Advisor. Our Securities and Exchange Commission CRD number is 113187. Wordhouse Wealth Coaching, Inc. (WWC) is an Investment Advisor Representative (IAR) of WAG. Certified Financial Planner Phyllis J. Wordhouse, is the Managing Member of WAG and the President of WWC and Maria J. Kuitula is the Vice President. Phyllis has been a financial educator since 1982, and both Phyllis and Maria have spoken at national conferences, colleges, and churches. Both have been quoted and published in various media.
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A Registered Investment Advisor (RIA) is a fiduciary entity that has a duty of undivided loyalty to investment advisory clients and must deal fairly and honestly with them. Any person or entity that holds itself as an Investment Advisor Representative (IAR) must be registered with the Securities and Exchange Commission, or with the state. A Registered Investment Advisor is a representative of the client. Any associated IAR of WAG, LLC is required to have a college degree, CFP, experience in the financial arena, or be in the process of obtaining these experiences and designations.
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WWC is an IAR of WAG and offers financial education through the Wealth Coach Experience curriculum. This may include, but not limited to: discovering clients’ true purpose for money, investment analysis, professional money management, tax planning, insurance, estate planning, pensions, retirement cash flow, capital need analysis, business succession planning, charitable planning, and general financial matters.
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WAG focuses on affluent Christian women investors, business owners, and non-profits.
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Clients who want to stop worrying about the market and losses in their portfolio, stop the frequent buys and sells in their portfolios, want to get a better than market return with lower risk, and who wish to plan prudently for their financial future. Clients who desire a simpler financial life by consolidating their assets into pure asset allocation portfolios with lower expenses will find our programs appealing.
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We help our clients throughout their lifespan make wise choices regarding their wealth. We focus on eliminating clients’ dangers and capturing their opportunities. Throughout the 20 educational classes we focus on life planning topics, such as: choosing your investment philosophy, defeating your money demons, examining your expectations, lowering income taxes, business succession, eliminating estate taxes, lowering investment costs and reducing risk, long term care, charitable strategies and retirement income needs. The process analyzes and recommends strategies to assist you in achieving your lifetime goals, so you will have no regrets. Depending on your specific desires and needs, some or all of these areas will be addressed orally or in writing.
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The professional money manager’s minimum household account size is $100,000. The minimums do not include the management of 401k or other “captive” employer retirement plans. However, the professional money manager will manage those accounts as well in the Modern Portfolio style, within the employer’s plan. We manage 100% of our clients’ investment assets.
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MUM is a diversification and management of your investment portfolio; based upon your individual objectives, risk tolerance and virtues. Clients will be provided with regular periodic reports as to how their investments have performed. WAG offers discretionary money management services through sub-advisors, such as Matrix, who only uses the only Nobel Prize winning strategy academic strategy, Modern Portfolio Theory, also called Free Markets, which requires prudent diversification through institutional asset class mutual funds.
Our New Client Advisory Fee is $2,000. Fees include all analyses and Wealth Coaching Experience classes. Professional Money Management services will be billed to your account on a quarterly basis and will range from 1.4% to .50% of assets under management. These rates are subject to change. The Investor Inventory meeting is complimentary.
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Yes. Section 212 of the Internal Revenue Code permits an itemized deduction for tax and/or investment advice, subject to certain restrictions.
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WAG provides Wealth Coaching on a fee-only basis. Certain products, however, can be purchased from WWC, or other IAR agents who are insurance licensed. If the client purchases these products, the IAR will receive the normal insurance commissions. Thus a conflict may exist between the IAR’s interest and those of the client.
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At times, the principals and affiliated persons of WAG may invest in products recommended to the client. Client accounts are always given priority. In any case, WAG is too small an investor to noticeably affect the market or to benefit significantly from the clients’ investing.
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The principals and associates of WAG are not representatives of any broker dealer and therefore do not recommend any broker dealer. The client does have the choice to use any broker dealer they desire.
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No. WAG is a Registered Investment Advisor only.
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WAG advises on: Exchange-listed securities, securities traded OTC, certificates of deposit, U.S. Government Securities, corporate bonds, municipal bonds, mutual funds, unit trusts, variable annuities, variable life, Real Estate Investment Trusts, Affordable Housing Tax Credits, Oil & Gas Tax Shelters, and private placements.
Free Market Modern Portfolio Theory, technical, charging and cyclical analysis are used, as well as a fundamentals approach, which takes into account economic conditions, earnings, industry outlook, politics (as it relates to the investment), historical data, price-earnings ratios, dividends, general level of interest rates, company management and tax benefits. We attempt to select the client’s investments to harmonize with his or her risk level, financial objectives, and stated virtues.
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WAG utilizes whole Free Market, the general media of domestic, international and governmental newspapers, bulletins, magazines, books and other publications. Materials prepared by investment companies and research releases prepared by others are also consulted.
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WAG IARS generally make long-term recommendations through the Nobel Prize winning strategy called Modern Portfolio theory, also called the FREE Market, which uses the efficient passive investment philosophy. WAG may occasional use short-term strategies as the circumstances may indicate.
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Absolutely not. Working with a WAG IAR Wealth Coach is a lifelong process and not a “one shot” transaction. We look forward to working with intergenerational family units. We offer ongoing service, periodic review, and day-to-day consultation as necessary. Additional fees may be charged for these services.
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