WEALTH
MANAGEMENT
SERVICES

What is Wealth Management?

Wealth Management strives to meet the client’s financial life goals. It takes a holistic approach to a client’s financial situation through a broad range of services including: complex financial planning, tax reduction planning, investment monitoring, trust services and estate planning. Consolidating all types of financial advice in one capital wealth management firm serves to streamline these services for the individual.  While growing a client's wealth may seem like the primary goal, these types of advisory services are particularly important for individuals to manage their liability exposure, charitable giving, passing their assets on to their heirs, and investment products. While wealth managers may not provide legal advice, they can work with attorneys regarding any related legal matters like a divorce, death in the family, or job change. 

What can I expect from a Wealth Management Advisor?

An interview is the first step in a wealth management firm’s process. A wealth management advisor will ask a complete array of questions to ascertain a full financial picture to offer personalized advice to a client. A customized plan to help meet the client’s individual financial goals is put together by a dedicated advisor. Your advisor can provide access to resources and expertise to help with even the most complex planning needs. The advisor will meet with the client throughout the year to review the financial targets, adjust them as needed and provide advice looking toward future performance. Expertise related to the specific challenges that affluent clients experience is an important part of a wealth manager's role.

What kind of credentials should I look for in a Wealth Advisor?

The most important credential that an individual would look for is whether that advisor is a fiduciary. A fiduciary means that the advisor must put the client’s interest above their own or their employers. Certain credentials like CFP®’s (CERTIFIED FINANCIAL PLANNER™) and those that work for Registered Investment Advisors are required to act as fiduciaries. Keep in mind that investing involves risk and it is important to choose someone whose main goal is to work within your risk comfort level. Always be sure to vet whatever types of financial advisors you are interested in using.

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What are the benefits to having a Local Financial Advisor?

Finding an advisor who meets your individual needs and who understand your circumstances is important to managing your money with stability and peace of mind. There are many wealth managers and companies to choose from especially in this modern age where we have access to multiple professionals across the globe through the internet. However, most people still feel more comfortable speaking with a wealth management advisor face-to-face at the wealth management firm. Reviewing sensitive information, like investment banking or health care, in person, can put you at ease and help you build a rapport with your personal wealth manager. In a local office, you can discuss your questions and concerns as often as you need to at the physical location, by email, scheduled online meetings or by phone.

A good local financial expert will go well beyond simple asset allocation and stress the need for regular meetings or check-ins to make sure you are on track to meet your goals based on their advice.  Sound investment management requires consistent investment strategy review of the investment products you and your advisor have chosen.

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What is the difference between a wealth manager and a financial planner?

The term “financial planner” can mean a lot of things. A financial planner usually focuses only on providing a financial plan for their clients.
A wealth manager provides comprehensive, interdisciplinary services for their largely high net worth clients or affluent clients. Financial planning is just the first step provided by a wealth manager. Wealth managers will integrate comprehensive financial planning with tax planning, estate planning, investment advice, and other services to help their clients achieve their goals.

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What if I move and can no longer meet in person with my financial advisor?

Our top financial advisors will make every effort to make this transition as smooth as possible for you. At Apex Capital Wealth Management, we have clients that have continued to partner with us for our financial expertise, investing services and tax planning even though they have moved many states away. We take pride in offering services that give our clients peace of mind no matter where they live.

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I am new to investing. What do I need to know?

Individual investors need to understand how an investment works and the risks that are involved before they choose one. Before investing, start by determining your goals. Is your goal to grow your money, keep it safe, or both? Another question when considering investing is, how long do you plan to invest? Is this a short-term, medium-term or long-term investment? What are the tax implications on investing? Have you already started investing and how does this new investment affect your asset mix? While these question may seem overwhelming, a seasoned wealth manager can advise you expertly on all these aspects of investing.

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What type of services does Apex Capital Wealth Management and Apex Tax Advisors offer?

At Apex we strive to offer a comprehensive suite of services and advice from our financial experts to cover all the financial aspects of a person’s life. This is one of the reasons tax planning and preparation is so important – because it is integral to how your money will serve you now and in the future.
 

Apex will take into account your total investable assets to create a personalized financial plan and offer individual investment planning. This includes college planning, stocks, bonds, mutual funds, variable annuities, and ETF’s, (exchange-traded funds). In addition to this, our financial planning services include planning for retirement with IRA’s – Traditional IRA’s and Roth IRA’s, 401K rollovers, individual 401k’s, SEP’s (Simplified Employee Pension Plan), Money Purchase Plans and Distribution Planning. Our Specialty Financial Planning Services include a 401K Review, a Mid-Year Review, Portfolio Review, Beneficiary Review, Distribution Planning and Lifestyle Maintenance Planning. Apex will also work with attorneys to put a proper plan in place for your estate plan.
 

Advisory services are offered through Apex Capital Wealth Management, A Member of Advisory Services Network LLC.  Tax and accounting services are offered through Apex Tax Advisors, LLC. Advisory Services Network, LLC and Apex Tax Advisors, LLC are separate and unrelated entities.

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