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.
Yes, we only serve our clients in a fiduciary capacity. Intelligent Capitalworks has been certified to a fiduciary standard by CEFEX.
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.
Yes, we serve our clients for a professional fee only.
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.
No, fee-based means a fee is charged in addition to collecting sales or brokerage commissions and other forms of compensation.
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.
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.