Section or Paragraph Headings. Section headings herein have been inserted for reference only and shall not be deemed to limit or otherwise affect, in any matter, or be deemed to interpret in whole or in part any of the terms or provisions of this Agreement.
Section or Paragraph Headings. Section and paragraph headings are for convenience only and shall not be construed as part of this Agreement.
Section or Paragraph Headings. Section and paragraph headings used herein are for convenience only and shall not be construed as part of this Amendment.
Section or Paragraph Headings. Section headings herein have been inserted for reference only and shall not be deemed to limit or otherwise affect, in any matter, or be deemed to interpret in whole or in part any of the terms or provisions of this Agreement. Products and Services Available to Us from Fidelity and Schwab. Fidelity and Schwab have divisions which serve independent investment advisory firms like us. They provide us and our clients with access to its institutional brokerage – trading, custody, reporting and related services – which is not typically available to retail customers. They also make available various support services. Some of those services help us manage or administer our clients’ Accounts while others help us manage and grow our business. Services that Benefit You. Fidelity and Xxxxxx’x institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of client assets. Services that May Not Directly Benefit You. Fidelity and Schwab also make available to us other products and services that benefit us but may not directly benefit you. These products and services assist us in managing and administering our clients’ accounts. In particular, they make available software and other technology that: Services that Generally Benefit Only Us. Fidelity and Schwab also offer other services intended to help us manage and further develop our business enterprise, including:
1) Approximately what proportion of your total investment assets are represented by Xxx-managed accounts, including this account? A small minority A significant proportion of assets, but not the vast majority The vast majority
2) Is your Net Worth greater than $2.1 million? (We ask so we can comply with routine reporting requirements regarding the fraction of our clients who meet the SEC’s “High-Net-Worth” threshold. For these purposes, Net Worth is measured jointly with your spouse, and excluding your primary residence) Yes No
3) How liquid are the investment assets held outside of your Elm-managed accounts? Mostly illiquid Some illiquid Mostly liquid
4) When do you expect to start making regular withdrawals from this Account? Almost immediately (less than 1 year). Within the next 1 to 5 years Within the next 5 to 10 years After 10 years
5) How would you describe your knowledge of investing? Very little knowledge or experience Some prior knowledge including familiarity with index funds, mutual funds, and ETFs I am a knowledgeable, exp...
Section or Paragraph Headings. Section headings herein have been inserted for reference only and shall not be deemed to limit or otherwise affect, in any matter, or be deemed to interpret in whole or in part any of the terms or provisions of this Agreement. By each party executing this Agreement they acknowledge and accept their respective rights, duties, and responsibilities hereunder. This Agreement is only effective upon our execution below.
Section or Paragraph Headings. Section headings herein have been inserted for reference only and shall not be deemed to limit or otherwise affect, in any matter, or be deemed to interpret in whole or in part any of the terms or provisions of this Agreement. By each party executing this Agreement they acknowledge and accept their respective rights, duties, and responsibilities hereunder. This Agreement is only effective upon our execution below. Requestor: Lehighton Area School District By: Signature Date Title: Pennsylvania Trust By: 12/22/2020 Signature Date Title: Chairperson EXHIBITS: A, B, C The GASB 75 Valuation Service will be performed by the actuaries and employees of Xxxxxx Xxxxxx under our contract with them. The services will include the following: Preliminary discussion with you Collection of relevant census and benefit plan information Preparation of GASB 75 Actuarial Valuation Discussion with you regarding results of the valuation, if necessary Fee for GASB 75 Valuation Service per valuation is based on group size and the level of complexity. Level of Complexity Size Simple Average Complex Small Group $3,550 $5,100 $6,150 Medium Group $4,625 $6,175 $7,225 Large Group $5,700 $7,250 $8,300 Group size is defined as follows: Small Group: < 200 participants Medium Group: 201 to 500 participants Large Group: > 500 participants Complexity is determined based on number of plan and benefit designs and number of subgroups requested. Xxxxxx Xxxxxx will determine the level of complexity. To the extent the complexity is determined to be between two levels, the midpoint of the two values shown will be used for the fee. Valuation calculations under alternative parameters Preparation of supplemental year-end calculations prepared in between valuations if it is deemed that updated assumptions (e.g. discount rate) should be used, or for other reasons requested by the school entity. If a service that is not previously described in this agreement is requested or needed, this additional service will be made available and will be performed by the actuaries and employees of Xxxxxx Xxxxxx under our contract with them. We will xxxx you based on the time spent on the project and the current hourly rates for the staff involved in the project. You may request a cost estimate before commencing the project. You may also request a statement of the current hourly rates at any time. A statement of these rates as of the current calendar year is attached to this Agreement. Actuarial studies ...
Section or Paragraph Headings. Section headings herein have been inserted for reference only and shall not be deemed to limit or otherwise affect, in any matter, or be deemed to interpret in whole or in part any of the terms or provisions of this Agreement. By each party executing this Agreement they acknowledge and accept their respective rights, duties, and responsibilities hereunder. This Agreement is only effective upon our execution below. THIS CONTRACT CONTAINS A BINDING ARBITRATION PROVISION WHICH MAY BE ENFORCED BY THE PARTIES. Clear Money Path Client(s) X X By: Xxxx X Xxxxxx We shall provide the following services to you (as marked below) in accordance to the Financial Planning Agreement to which this Exhibit A is attached: Net Worth Statement Debt Management Life Insurance Disability Insurance Long Term Care Strategy and Advice in concert with your tax professional Retirement Income Projection Retirement Strategy and Advice Business Succession Planning Executive Deferred Compensation Plans / Pension Payout Elections Strategy and Advice Asset Allocation / Portfolio review Investment Policy Statement Strategic Giving Plan and Advice Estate Planning Strategy and Advice Survivor Binder Our fee for services under the Financial Consulting Agreement to which this Exhibit B is attached is: Planning Services Packages (includes selected items in Exhibit A above) * Your planning needs are unique, and we help you stay on top of your financial life with the ideal number of planning sessions to match the flow of your life. We offer 3 Packages, with each level corresponding to the number of meetings needed to complete the services. Level 1 (“Projection” Analyses): $ 500 fee Level 2 (Level 1 + “Protection” Analyses): $ 1,000 fee Level 3 (Level 2 + “Succession” Analyses): $ 1,500 fee Level 1 (one meeting): (Typically for clients with a Net Worth over $500,000). Includes 1, 90-minute planning meeting for building and providing orientation to your 24/7 planning tool. A detailed description of included services can be outlined in Exhibit A above. Level 2 (two meetings): (Typically for clients with a Net Worth over $750,000). Includes 2 planning meetings; 1, 90-minute meeting for building and providing orientation to your 24/7 planning tool, plus another 60-minute meeting for reviewing your Estate Plan and Insurance Analysis. A detailed description of included services can be outlined in Exhibit A above. Level 3 (three meetings): (Typically for clients...
Section or Paragraph Headings. Section headings herein have been inserted for reference only and shall not be deemed to limit or otherwise affect, in any matter, or be deemed to interpret in whole or in part any of the terms or provisions of this Agreement. Fee Schedule ASSET BASED FEE SCHEDULE FOR WEALTH MANAGEMENT SERVICES Digital Communication Policy
1. All sent and received emails are securely archived per regulatory requirements.
2. It is a firm policy to avoid emailing any non-public client information – this includes account numbers, social security numbers, tax returns, and other documents with personal, non-public information.
3. We will periodically advise you of updates to our regulatory filings, privacy policies, and other required communication via email.
4. You may elect to receive updates via paper copies by opting out of email delivery. Please notify our office to make this change to your delivery option.
1. Avoid sending personal private information via unsecured email. (i.e. Tax Returns, Account Numbers, Social Security Numbers, etc.). We recommend using password protected documents or a secured document sharing platform.
2. Check your personal credit report at least annually for unauthorized accounts or inconsistencies. xxxxx://xxx.xxxxxxxxxxxxxxxxxx.xxx/xxxxx.xxxxxx
3. Monitor and be aware of unusual changes to your credit score.
4. Notify our office of any changes to your personal contact information as soon as possible.
Section or Paragraph Headings. Section headings herein have been inserted for reference only and shall not be deemed to limit or otherwise affect, in any matter, or be deemed to interpret in whole or in part any of the terms or provisions of this Agreement. __________________________________________________________________________________________________ By each party executing this Agreement they acknowledge and accept their respective rights, duties, and responsibilities hereunder. This Agreement is only effective upon our execution below. Elm Partners Management LLC: Date: Client name(s): Client signature(s): Date: ________________________________________________________________________________________________ We seek to recommend a custodian and broker-dealer who will hold your assets and execute transactions on terms that are overall most advantageous by considering a wide range of factors including: combination of transaction execution services along with asset custody services (generally without a separate fee for custody) capability to execute, clear and settle trades capabilities to facilitate transfers and payments to and from accounts breadth of investment products made available availability of investment research and tools that assist us in making investment decisions quality of services competitiveness of the price of those services (commission rates, margin interest rates, other fees, etc.) and willingness to negotiate them reputation, financial strength and stability prior service to us and our other clients availability of other products and services (see below) _______________________________________________ Products and Services Available to Us from Fidelity. Fidelity Brokerage Services LLC serves independent investment advisory firms like us. They provide us and our clients with access to its institutional brokerage – trading, custody, reporting and related services – which is not typically available to Fidelity retail customers. Fidelity also makes available various support services. Some of those services help us manage or administer our clients’ Accounts while others help us manage and grow our business. _______________________________________________
Section or Paragraph Headings. SECTION HEADINGS HAVE BEEN INSERTED FOR REFERENCE ONLY AND ARE NOT DEEMED TO LIMIT OR OTHERWISE AFFECT, IN ANY MATTER, OR BE DEEMED TO INTERPRET IN WHOLE OR IN PART ANY OF THE TERMS OR PROVISIONS OF THIS AGREEMENT.
