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c5 Wealth Management maintains only the highest quality staff to provide you the best service available.
Frequently Asked Questions.
Here are some questions that we are often asked. We hope these further assist you in finding your ideal financial planning firm.
Q: How do I schedule an appointment?
A: Please call 703-759-7007 to schedule an introductory appointment. You may also email us at info@c5wm.com. Our appointments are usually scheduled approximately one month in advance.
Q: What should I bring to my first meeting with c5?
A: You should bring the following items to your initial consultation:
• Investment Account Statements
• Retirement Account Statements - IRA, 401(k), 403(b), 457 Plan, etc.
• Banking Statements - Checking, Savings, Money Market and CDs.
• Insurance Information - Annuity, Life, Disability, Long-term Care, Homeowner's, Liability.
• Real Estate Information - Fair Market Values and Mortgage Amounts/Terms.
• Estate Planning Documents - Wills, Powers of Attorney, Medical Directives, Trusts, etc.
• 2 Years of Tax Returns - Personal and Business, if applicable.
You should also download and print a copy of our Investor Profile Questionnaire. Please complete it and bring it to your initial meeting. Download the Questionnaire Here.
Q: What should I bring to my first meeting with c5 if I am an institutional client?:
A: You should bring the following items to your initial consultation:
Required Documents:
• Most Recent Investment Statement(s) and Performance Report(s)
• Investment Policy Statement
• Fiduciary Adviser Acknowledgement
• Fiduciary Adviser and Service Provider Agreement
• c5 Institutional questionnaire (Download)
Recommended Documents:
• Documents pertaining to the selection of the Service Provider and the Fiduciary Adviser
• Investment Committee by-laws
• Investment committee minutes.
• Code of ethics/conflicts of interests policies and procedures
Q: What makes c5 Wealth Management, LLC different from other financial planning and investment management firms?
A: There are a number of reasons listed below.
Comprehensive Financial Advice: We simply do not offer investment advice without first knowing your situation holistically. This ensures that you are receiving advice that is appropriate for your circumstances, time frame, risk tolerance, goals and objectives.
Multi-generational Focus: c5 can assist you with and provide integrated solutions on any issue concerning or related to your family's finances. From complicated estate planning and investment issues to automobile leases and home mortgages, we can help.
Professional Designations, Degrees & Licenses: Our advisors are required to have professional designations such as Certified Financial Planner professional (CFP) and Chartered Financial Consultant (ChFC).
Relevant Experience: Our team has over 65 years of collective experience in the financial planning industry.
Ethical Standards: We act in the best interest of our clients at all times and in fact, c5 has a fiduciary responsibility to our clientele.
Specialty: We are not general practitioners; rather, we are comprehensive wealth managers.
Independent Firm: c5 is an independent organization and not a subsidiary of a financial services giant that manufactures products for a salesforce to sell to the public.
Q: Who is Schwab Institutional and how are you affiliated?
A: A division of Charles Schwab & Company, Inc., Schwab Institutional is a leading global provider of asset management and investment technology solutions. Schwab Institutional works with a select group of independent investment advisers, such as c5 Wealth Management, across the country.
Schwab Institutional's innovative solutions and technology assist c5 Wealth Management, LLC in creating and managing wealth for our clients. In fact, our clients can hold virtually any investment including no-load and load waived mutual funds, individual stocks, bonds, hedge funds, exchange-traded funds, annuities, limited partnerships and separate accounts in their managed investment portfolios. This is of the utmost importance to our firm, since our mantra is to remain objective and unbiased when it comes to investment solutions for our clients.
Schwab Institutional custodies over $440 billion in investments for over 5,000 independent registered investment advisers across the United States.
Q: Does c5 receive any incentives for using Schwab Institutional?
A: In choosing a custodian, c5 took several factors into account including trading fees, level of service, client reporting and overall execution. Based on these factors, Schwab Institutional was chosen to be our primary custodian. c5 receives no incentives, tangible or otherwise, for using Schwab Institutional as custodian of our clients' funds.
Q: Does c5 recommend alternative investments such as hedge funds?
A: Depending upon your financial situation, goals and objectives, alternative investments including hedge funds, limited partnerships and private REITs may be utilized.
Q: Does c5 pick individual stocks?
A: We are not "stock pickers". Our investment philosophy is based upon proven long-term methodologies that reduce risk and provide an enhanced level of return. We may use individual equities if they are appropriate for a client's situation.
Q: Does c5 work with institutions such as corporations, non-profits and associations?
A: Yes. We can assist your business, non-profit or association with the implementation and administration of defined benefit plans, defined contribution plans, 401(k), 403(b), 457 deferred compensation and profit sharing or any other qualified plan that may be appropriate.
Q: Can c5 help me with stock option planning or a highly concentrated equity position?
A: Yes; in fact, many corporate executives with whom we work have benefited from our stock option and concentrated equity position strategies.
Q: How is c5 compensated for investment management and financial planning services?
A: c5 provides investment management and financial planning services on a fee-only basis.
Q: Does c5 Wealth Management have account minimums for new clients?
A: Yes. c5 has established minimums for new clients because we must ensure that our service levels remain commensurate with what our new and existing clients expect and deserve. Our current account relationship minimum is $1,000,000 of investable assets. What this means is that the aggregate amount of assets under management must total at least $1,000,000. For example, if you have a $500,000 IRA, a $300,000 trust account and a $200,000 joint account, you would satisfy our minimum.
Q: Does c5 prepare tax returns or draft legal documents?
A: c5 does not prepare tax returns or legal documents, however, our team includes local CPA Firms and Law Firms to which we can refer you. Additionally, we can work directly with your existing accountant and/or lawyer to ensure sharing of information with your written approval.