Broker Check

Frequently Asked Questions

Q: What Makes Wealth & Pension Services Group stand apart?

We recognize that you have a choice when it comes to selecting a registered investment advisor. Explore these questions to learn more about what makes us different from the rest.

Q: What is Wealth & Pension Services Group’s basic investment philosophy?

WPSG does not endorse a “one size fits all” approach—all financial situations are unique. Our portfolios are custom-tailored to each client, taking into account your personal investment situation considering a host of factors such as account structure, tax sensitivity, goals, time horizon, client involvement, and risk tolerance. We then employ an array of investments, including multiple strategies and investment asset classes. We focus on risk- based investing and lower correlation investments strategies to minimize the risk of loss. We call this Guardrail Growth℠.

Q: Who will service my needs as a client?

You will have a primary portfolio manager and a client service manager to assist you with your accounts and financial needs. You will also have access to other team members, who are available to assist if your primary advisor is out of the office.

Q: What are the typical planning and investment fees?

For investment advice, fees are charged based on a percentage of assets and scale down as assets increase. For financial planning, fees are based on our time and the complexity of the planning. Initial financial planning generally involves three meetings with an advisor. After the first meeting, we will quote a flat fee—usually ranging from averaging $900 to $3,500 depending on the engagement. Hourly rates are available. It is possible for investment fees to reduce or totally offset planning fees depending on the size of the account.

Q: Does Wealth & Pension Services Group offer any satisfaction guarantees?

WPSG is dedicated to total client satisfaction. Clients have the power to request a refund for any financial planning advice that they deem unsatisfactory.

Q: How is my financial information updated?

We provide Financial View 360℠ for our wealth management clients at no charge. Financial View 360℠ is a personal portal providing access to real time investment accounts, financial statements, financial planning and budgeting. WPSG also offers customized ongoing financial planning. Experience has shown that ongoing annual updates are necessary to keep your plan on track with their goals and adaptable to any life changes. This service may be included complimentary with investment/wealth management services

Q: What disclosures does WPSG provide?

All of WPSG’s disclosure information is provided on our ADV Part 2A and supplemental brochures for your advisor. We also provide all relevant disclosures in “plain English,” in addition to supplying prospectuses and explanatory information on compensation methods whenever they are requested.

Q: How does WPSG sustain objectivity?

WPSG accepts no referral fees from its partners and adheres to a strict code of ethics. We are determined to maintain neutrality with various financial service providers, basing our recommendations on quality of service and performance. As an independent firm, WPSG is not required to use any product or service if it fails to satisfy our clients’ best interests - a key advantage.

Q: I don’t live in Georgia. Can WPSG invest money for me?

WPSG is a Registered Investment Advisor. We file notice in each state as required. WPSG has advisors licensed to offer and trade securities in many states. If WPSG is not licensed to practice in your state, the licensure process is a simple one, but we are required to do so before assisting you with your investment portfolio.

Q: Can I access my brokerage accounts through the WPSG website?

You will have online access to your accounts (positions, history, activity etc.) at all times.

Q: Who is Triad Advisors and what is their role as WPSG’s broker/dealer?

Since WPSG is an independent financial firm, we use the service of a broker/dealer to assist us in providing brokerage services. Triad Advisors, LLC., member FINRA, SIPC is our current broker/dealer. Triad opens accounts under our direction and assists us with day-to-day transactions that occur in clients’ brokerage accounts.

Q: Where will my money be held?

While we provide investment advice, we never take custody of a client’s assets. We use leading national custodians such as National Financial Services LLC (NFS), a subsidiary of Fidelity Investments, Trade PMR and TD Ameritrade Institutional to hold our client accounts. Through these custodial firms, our clients receive the safety and protection of SIPC insurance.

Q: What Is A CFP® Professional?

The CFP® mark represents a Certified Financial Planner designation. One who has earned the CFP marks has met the education, examination, experience and ethics standards established by the Certified Financial Planners Board of Standards (CFP Board). Financial planners who earn the CFP marks should be distinguished from those who have not.

If a financial planner has earned the right to use the CFP marks, this means that he or she has met the following requirements:

Education: There are three ways to meet the CFP certification education requirement

  • Completing an education program at a college or university whose curriculum is registered with the CFP Board
  • Submitting a transcript of previous financial planning-related course work to the CFP Board for review and credit
  • Showing the attainment of certain professional designations or academic degrees

Examination: Candidates for the CFP certification must pass a rigorous two-day, 10-hour CFP Certification Examination administered by the CFP Board that covers the financial planning process and includes such topics as tax planning, employee benefits and retirement planning, estate planning, investment management and insurance.

Experience: Candidates for CFP certification must prove they have experience in the financial planning process before being authorized to use the CFP marks.

Ethics: Candidates for CFP certification have their backgrounds checked by the CFP Board, and must also disclose any investigations or legal proceedings related to their professional or business conduct. The CFP Board reviews all such disclosures and investigates those statements that indicate areas of concern.

Candidates must also adhere to the CFP Board's Code of Ethics and Professional Responsibility and Financial Planning Practice Standards. Once certified, CFP certificants must fulfill a biennial continuing education requirement to stay up-to-date on planning strategies and financial trends affecting their clients.

Q: What Is A CFA® charterholder?

The CFA charter, the most respected and recognized investment credential in the world, represents a tradition of upholding the highest standards of education and integrity in the investment profession. The charter is recognized globally by employers, investment professionals, and investors as the definitive standard by which to measure the competence, integrity, and dedication of serious investment professionals.

Recipients of the CFA charter have successfully completed the CFA Program, a graduate-level, self-study curriculum and a series of three intensive examinations taken sequentially, which, in total, takes most candidates between two and five years. Candidate surveys report that preparation for the three exams typically requires at least 900 combined hours of study.

The CFA Program, which is administered by CFA Institute, the global non-profit association of investment professionals, sets a standard that is acknowledged around the world for measuring the competence and integrity of financial analysts, portfolio managers, and investment advisers. Currently, more than 100,000 investment professionals in 135 countries and territories hold the CFA charter.

Q: What is a Certified Divorce Financial Analyst®?

A Certified Divorce Financial Analyst™ (CDFA™) can forecast the long-term effects of a divorce settlement. By using a CDFA™, both partners have a clearer view of their financial futures. Then can they approach a settlement that fully addresses the financial needs and capabilities of each. CDFA™'s also provide valuable information on financial issues that are related to the divorce, such as tax consequences, dividing pension plans, continued health care coverage, stock option elections and more.

Q: How can I become a client of Wealth & Pension Services Group?

The first step is to schedule an introductory Discovery meeting in order to discuss your needs, which may be general or very specific. Whether your needs fall under financial planning, investment management, or another area such as estate planning, trusts or insurance, our ultimate goal is to help uncover any weaknesses in your financial situation, and to recommend and implement feasible and manageable improvements.