Most advisors use a complicated algorithm to calculate your charges, and it usually means the more you have, the more you pay. It's not fair to charge you more just because you have more. They shouldn't need a calculator to determine your fees, and they shouldn't change every day based on market conditions or your growing wealth. We charge a simple-to-understand inexpensive fee.

It's just a few simple steps to your financial goals! 1. Receive and review the ADV informational form for 48 hours. 2. Fill out the short 'hello' questionnaire. 3. We meet to do a fun risk tolerance exercise. 4. Sign the digital agreement, if you decide to work with us. 5. Receive and pay the invoice for your requested plan. 6. Fill out the main financial questionnaire or provide the info we need. 7. Set up the awesome app and your portal. 8. We create the plan and review it together. 9. We meet quarterly (or any time you need us!) to review results. If we're managing your investments, you get a free annual update!

FAQs Archive - Emancipare Investment Advisors

Q: Where will our money/investments be held?

Our custodian is Altuist Corp (watch the cool short video at that link!) and we chose them because they're the company with the most honest, ethical principals that we could find. Note the name - altruism is selfless concern for the well-being of others. They are backed by the most honest, ethical brokerage that we believe in and love - Vanguard (which was started with working people in mind). When we invest your money, we're purchasing Vanguard funds for you - you own them just as you would own a Chevy regardless of whether you bought it at the dealer, factory, or used car lot.

Q: What are your creds? Are you a CFP?

The credentials are below. Take note, we're coming from a place of true altruism - helping people out of dire financial circumstances, and then to build wealth. So, we started out with the areas of study, experience, and credentials in those areas. It means we can guide you from zero to hero, from dire to aspire, from down in the dumps to a maybe a deluxe apartment in the sky! Licensed/Registered Investment Advisor Representative AFCPE® Accredited Financial Counselor® Ramsey Master Financial Coach Certified Financial Planner (CFP) is an additional title, which incurs more time and expense we'd rather not pass along to our clients at this time. CFPs charge more , and that's not part of our charter. We are fully registered and licensed to do investment management and financial planning for retirement, college/trad/tech school, and other goals. After years of experience and in-the-trenches learning, the value of additional titles and classes diminishes. Also, be aware that folks who aren't actual licensed and registered financial advisors may have titles that "sound" like they are - investment counselor , coach, associate , etc. But really they're not state or SEC vetted and registered. Some are insurance salespeople. They'll to sell you things that "sound" like investments, but are actually very expensive, complex, and risky insurance products like deferred/variable/indexed annuities, QLACs, whole/universal/indexed/variable life insurance, and so forth. A real investment advisor is required to provide you with their Form ADV, which is approved by the federal Securities and Exchange Commission and/or state regulators.

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