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| Additional information |
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| Wilson Financial Advisors, Inc. |
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Overview:
Fee-only compensation means an advisor never accepts commissions or compensation related to the products he or she recommends.
In addition, advisors do not accept or pay referral fees. A fee-only compensation structure enables us to offer completely objective advice without any conflict of interest. Fee-only firms are dramatically different from fee-based advisory services, where an advisor charges fees and accepts commissions.
Wilson Financial Advisors is also a non-discretionary advisor. Non-discretionary firms do not take control of or custody clients’ assets. Every transaction in a client account is done directly by our clients via a three-way phone call or online. We cannot initiate any account transactions without the explicit consent of our clients.
Our firm is not associated with any product provider, so we can make specific, cost-conscious investment recommendations. We work with low-cost custodians such as td Ameritrade Institutional and Charles Schwab Institutional. WFA is independent and unaffiliated with the aforementioned brokerages. Through these institutional accounts, our clients can buy many institutional-priced fund shares, which carry substantially lower expense ratios than retail fund shares. We offer these accounts as a service to our clients—but they are free to buy funds and other investments through other brokers of their choice as well.
Our Code of Ethics
We recognize our fiduciary responsibility to clients and to the public, and we uphold the highest standards of care in the industry by espousing and practicing the following:
Objectivity
Fairness and Suitability
Full Disclosure
Confidentiality
Integrity and Honesty
Professionalism and Competence
Regulatory Compliance
Wilson Financial Advisors is registered in Utah and Idaho. Although WFA serves clients in other states, no business is conducted with any individual in a state unless WFA is registered or exempt from registration. Nothing on this Website shall be construed as a solicitation of business in any state in which WFA is not registered. Part II of Form ADV is available upon request without charge.
Wilson Financial Advisors offers the following investment-planning services:
Investment Advising & Portfolio Design
Considering the client’s risk tolerance, investment policy and time horizon, WFA provides asset allocation and portfolio design that is conscious of underlying expenses and performance. Utilizing mutual funds, exchange-traded funds, closed end funds and certain individual bonds, we take a long-term approach to investing. Free of a product line or a single mutual fund family, we cultivate relationships with mutual funds through contact with managers and fund representatives. We educate you on every aspect of your portfolio—from how a mutual fund works to what a municipal bond is.
Cash Flow and Retirement Planning
We assist and prepare you for the day you no longer have “earned income” or when you transition into your retirement lifestyle. Cash flow planning is a living project—we monitor your savings and spending to ensure you have no surprises during retirement. We also advise clients on budgetary concerns and savings plans.
Insurance Planning
As a licensed insurance consultant for the state of Utah, we can objectively assess your current needs or review insurance already in force. We advise and educate our clients on the details of policies, including health, life, property and liability insurance. WFA does not sell or market any insurance products.
General Tax Planning
WFA’s tax planning ranges from simple to complex methods that highlight reviewing past tax returns to ultimately lower or minimize clients’ tax bills. Through professional continuing education courses, our planners remain ahead of the curve.
Estate Planning
WFA assists clients in making plans for an orderly transfer of assets as well as maximizing the inheritance to heirs. Detailed reviews of current beneficiary designations, wills and trusts helps our planners determine what is next for the client in their estate planning path. Having established several relationships with estate-planning attorneys, we are able to refer our clients to a counselor that best fits their unique needs. We do not offer legal advice.
Employee Benefits
WFA planners assist clients with every aspect of their employment structure, from employee stock options to 401(k) and other employer-sponsored retirement plans. Our guidance and expertise with local universities and their specific plans is well established, as we have ongoing advisory relationships with TIAA-CREF, Vanguard and Fidelity. |
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History:
Established in 1984, Wilson Financial Advisors is a strictly fee-only, comprehensive financial planning firm. |
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Member:
As a member of the National Association of Personal Financial Advisors (NAPFA, www.NAPFA.org), we are required to adhere to the strictest ethical and educational standards in the financial services industry. NAPFA has stringent admission criteria and members commit to a fiduciary standard that ensures the client’s interest is always paramount. |
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