FAQs

What does Intelligent Capitalworks do?

We help individual investors solve their retirement planning, investment and wealth management problems by providing them with professional retirement planning, investment management and wealth advisory services. We help individual investors develop a plan intended to help them accumulate enough income and investment assets so that when they wish to stop working or can no longer work, they will be able to replace their earned income to support themselves in their desired lifestyle. Then we build and manage a portfolio of investments in their brokerage and retirement accounts with the goal of helping them generate the income and capital growth they will need to meet their planned expenses in retirement.

We serve our clients as an advisor, manager, leader, and counselor. In each role, we contribute differently as our clients look to us with different needs at different times. Most often, we contribute simultaneously across all capacities in differing degrees. As leaders, we provide motivation and direction. As counselors, we help remove barriers. As advisors, we provide technical advice. And as managers, we carry out process. Taken together, we are always working to position our clients in their place of greatest potential.

To learn more about how we pursue and accomplish this, read our insights.

Does Intelligent Capitalworks serve its clients in a fiduciary capacity?

Yes, we only serve our clients in a fiduciary capacity.

What is a fiduciary standard and why is it important?

A fiduciary stands in a special relationship of trust, confidence and responsibility with another person. The duties of a fiduciary include loyalty to the client and reasonable care with regard to the client’s assets. All of a fiduciary’s actions are to be undertaken in the best interest of the client. A fiduciary must avoid self-dealing and minimize and disclose conflicts of interest to the client.

Is Intelligent Capitalworks a fee-only financial advisory firm?

Yes, we serve our clients for a professional fee only.

What does fee-only mean?

Fee-Only refers to compensation for a service. A Fee-Only financial advisor charges the client directly for advice and/or ongoing financial management. No other financial reward is provided by any institution, which means that the advisor does not receive commissions or other forms of compensation on the actions they take on the client’s behalf. Fee-Only practitioners may not receive commissions, rebates, finder’s fees, bonuses or any other form of compensation from others as a result of a client’s implementation of the practitioner’s planning recommendations. The National Association of Personal Financial Advisors (NAPFA) ascribes Fee-Only to a practitioner, who in all circumstances is compensated solely by the client, with neither the practitioner nor any related party receiving compensation that is contingent on the purchase or sale of a financial product. It is the required form of compensation for members of the National Association of Personal Financial Advisors. Compensation is based on an hourly rate, a percent of assets managed, a flat fee, or a retainer. Fee-Only compensation helps minimize conflicts of interest.

Is fee-based the same as fee-only?

No, fee-based means a fee is charged in addition to collecting sales or brokerage commissions and other forms of compensation.

Does Intelligent Capitalworks charge sales or brokerage commissions?

No, we only provide professional services to our clients for a professional fee. We do not sell financial products to our clients or broker their investment transactions to generate sales commissions or other forms of compensation to us, or to meet one of the qualifications for a bonus, award, prize, educational trip or job title.

Will Intelligent Capitalworks hold custody of our assets?

No, our firm only uses unaffiliated qualified third-party custodians to hold custody of our clients’ assets. Our clients’ accounts are held at a recognized qualified custodian like Fidelity Investments, Schwab, or TD Ameritrade and are not held in-house at ICW Investment Advisors. We have limited power over our clients’ accounts held by these qualified third-party custodians. That power is limited to buying and selling securities, moving funds between same-name accounts, and having funds sent directly to the address of record or same-name accounts at other financial institutions.

Disclosures

Intelligent Capitalworks is the trade name of ICW Investment Advisors LLC.

ICW Investment Advisors LLC (“ICW”) is registered as an investment adviser with the Securities and Exchange Commission (“SEC”) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the SEC, nor does it indicate that the adviser has attained a particular level of skill or ability.

This website is a publication of ICW. It is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications and links. We believe the information we present is factual and up-to-date, but we do not guarantee its accuracy and you should not should not regard it as a complete and exhaustive analysis of the subjects we discuss. Our opinions reflect our judgment as of the date of publication and are subject to change.

Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former clients. They should not be construed as an endorsement or testimonial from any of the persons in the photographs.

The information on this website does not involve the rendering of personalized investment advice. You should consult a professional advisor before using any of the information, pursuing any of the investment ideas or implementing any of the strategies presented.

The information on this website is not an offer to buy or sell, nor a solicitation of any offer to buy or sell any securities that may be mentioned on this website.

We may provide links on this website to other websites as a convenience, and we disclaim any responsibility for information, services or products found on other websites linked to this website.

Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially alter the performance of your portfolio.

Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client’s portfolio. There can be no assurances that a portfolio will match or outperform any particular benchmark.

Certain statements on this website may contain “forward-looking statements,” which involve risks and uncertainties. These risks and uncertainties could cause actual results or outcomes to differ materially from those expressed in the forward-looking statements. The beliefs, expectations and projections presented on this website are expressed in good faith and are believed to have a reasonable basis, but there can be no assurance that these beliefs, expectations, or projections will prove to be correct, be achieved or accomplished.

Working with a financial advisor is not a guarantee of future financial success.

The content of this website is provided for informational purposes only, and should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. ICW Investment Advisors LLC does not provide legal, tax, accounting, actuarial or pension consulting advice or services.

Terms of Use

Please read these terms and conditions carefully. By accessing this website and all of its contents, you are indicating that you have read, acknowledge and agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, do not access this website.

ICW reserves the right to change these Terms of Use without notice. You are responsible for regularly reviewing these Terms of Use. By continuing to access and use this website, you agree to all such changes.

Indemnifications

Please read these terms and conditions carefully. By accessing this website and all of its contents, you are indicating that you have read, acknowledge and agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, do not access this website.

ICW reserves the right to change these Terms of Use without notice. You are responsible for regularly reviewing these Terms of Use. By continuing to access and use this website, you agree to all such changes.

Use of Links

This website contains links to third party websites. These links are provided only as a courtesy and convenience. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by ICW of any information contained in any third party website. In no event shall ICW be responsible for the information contained on third party websites or your use of or inability to use such websites. You should also be aware that the terms and conditions and privacy policy of each third party website may be different from those applicable to your use of this website.

General Disclaimer

You acknowledge that neither ICW, nor any of its officers, employees, agents, third party content providers or licensors warrant that the content of this website is error free or that the availability of this website will be uninterrupted; nor is any warranty offered or made as to the results that may be obtained from the use of this website or linked third party websites, or as to the timeliness, accuracy, reliability, completeness or content of any information or service provided through such websites. ICW does not endorse any products or services appearing on this website or linked websites.

Except as specifically provided in this Terms of Use Agreement or where the law requires a different standard, you agree that ICW is not responsible for any loss, property damage or bodily injury, whether caused by access to or use of this website or its contents. To the maximum extent permissible under applicable law, ICW will not be responsible to you or any third party claim through you for any direct, indirect, special, consequential, economic or other damages arising in any way out of the use of this website or linked websites and their respective contents, including liability associated with any computer viruses which may infect your computer system.

Email Disclaimer

Email and information contained and transmitted within email messages is intended only for the personal and confidential use of the named recipient(s). If you are not the named recipient(s) of an email message, nor an agent responsible for delivering it to the named recipient(s) and receive an email communication in error, please notify us immediately by email and delete the original email and any attachments. Any review, dissemination, distribution or copying of an email message, or taking any action in reliance upon information contained within an email, by persons or entities other than the named recipient(s) is strictly prohibited.

Please be advised that all email sent to or from all Internet addresses belonging to ICW may be received or otherwise recorded by the firm’s email system and is subject to archival and review by someone other than the sender(s) or recipient(s).

Any views expressed in email by the sender are the views of that individual only, unless otherwise stated, and do not necessarily represent the views of ICW. Email is for informational purposes only and is not for distribution. Nothing contained in email constitutes an offer to buy or sell, or the solicitation of any offer to buy or sell to any person any security in any jurisdiction in which such offer or solicitation is prohibited.

The confidentiality of Internet email is not guaranteed, so please do not include private or confidential information (passwords, account numbers, social security numbers) or instructions to request, authorize or effect the purchase or sale of securities or any other transactions requiring your authorization (address changes, fund transfers, etc.) in your email communications to us. Any requests, orders, or instructions that you send will not be accepted and will not be processed by ICW.

Intellectual Property Rights

ICW is the copyright owner of the entire contents of this website and owns and controls all of the pages and screens on this website, except as otherwise expressly stated.

The names of other companies and third-party products or services mentioned herein may be the trademarks or servicemarks of their respective owners. You are prohibited from using any marks for any purpose including, but not limited to, use as metatags on other pages or sites on the World Wide Web without the written permission of ICW or such third party, which may own the marks.

You are authorized to view the information available on the website for your informational purposes only. You may download copyrighted materials for your personal or internal business purposes only. You acknowledge that you do not acquire any ownership rights by downloading copyrighted material. You may not copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works of or republish all or any portion of this website for any commercial or public purpose without ICW’s prior written consent.

Unless otherwise specified, this website is for your personal and non-commercial use only and you may print, copy and download any information or portion of this web site for your personal use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in any other way for commercial or public purposes in whole or in part any information, software, products or services obtained from this website, except for the purposes expressly provided herein, without ICW’s prior written approval. If you copy or download any information or software from this website, you agree that you will not remove or obscure any copyright or other notices or legends contained in any such information.

Behavior Gap Illustrations

All Behavior Gap illustrations are copyright-protected property of Carl Richards and are reproduced as licensed materials pursuant to a Digital Content License Agreement between ICW Investment Advisors LLC and Behavior Gap LLC.

Single-copy printing of the Intelligent Capitalworks successful investing guide, You and Your Money Working SMART, What Successful Investors Understand, is permitted as an incidental download from the Intelligent Capitalworks website.

Volume printing of the guide or copying, electronically storing, reprinting or otherwise reproducing the copyright-protected illustrations of Carl Richards on this website is not permitted without separate written permission from both ICW Investment Advisors LLC and Carl Richards.

Privacy Policy

We understand that we serve our clients using very sensitive, nonpublic personal information. Protecting the privacy of our clients is our ethical responsibility and a firm imperative. We have adopted the following policies to protect the privacy of our clients.

When we collect nonpublic personal information about our clients in communications using questionnaires, agreements, applications and interviews with our clients or their advisors (accountant, attorney, etc.), we maintain that information in a secure environment and employees have access to this information based upon their responsibilities. We may also collect and maintain information on behalf of our clients about their accounts with various financial institutions. We also maintain this information in a secure environment and employees have access to this information based upon their responsibilities.

We do not offer, nor disclose, information we collect about our clients to outside parties for marketing purposes. With the permission of our clients, we may disclose information about them to others when it is necessary for others (such as broker-dealers, custodians, trustees, lenders, accountants, attorneys, etc.) to effect transactions and provide services on behalf of our clients. We must comply however, with state, federal, regulatory and judiciary requests as they assess our compliance with industry standards, laws and regulations.

We may disclose nonpublic material information about our clients with third parties in certain circumstances, such as third parties that perform administrative or technology support, client support, accounting or legal services on our behalf. These third parties are prohibited from using or sharing our client information for any purpose other than support or regulatory disclosures.

If one of our clients decides at some point to either terminate our services or become an inactive client, we will continue to adhere to our privacy policy on behalf of that client, as we may amend from time to time.

Our policies about obtaining, maintaining and disclosing nonpublic personal information may change from time to time. We will provide our clients notice of any material change to our policies before we implement changes. We continue to evaluate our efforts to protect the nonpublic personal information of our clients and make every reasonable effort to keep the information of our clients accurate and updated.

We will provide notice of any material change to our policies here on this website. You are responsible for regularly reviewing our privacy policies here on this website.

Security

We use secure ”https” connections to protect sensitive communications, encryption technology that encodes and decodes sensitive data to leverage our secure connections, user authentication procedures to provide an extra layer of protection once a secure connection is established and hardware, software and security measures to provide a secure computing environment for our clients.

Firm Ethics

We have adopted a Code of Ethics in order to specify the high standards of business conduct and the fiduciary duty all of our personnel owe to our clients, including compliance with all applicable securities laws. All personnel have an obligation to adhere not only to the specific provisions of our Code but to the general principles that guide it.

Business Continuity

The primary objectives of our business continuity plan in the event of a business interruption are to minimize the impact of the interruption, sustain a minimally acceptable level of service for an extended period of time, and return to normal business activities as quickly as possible.

Anti-Money Laundering

We have anti-money laundering policies and procedures to the extent required by applicable U.S. Federal or other laws and regulations designed to detect and prevent money laundering and activities that facilitate money laundering or the funding of terrorist or other criminal activities.