Frequently Asked Questions

>> How do I know my money is safe?
>> Does PMWMG provide investment advisory services?
>>Which types of accounts does PMWMG provide advice for?
>> How does PMWMG choose investments for its clients?
>> Is there a minimum amount required to establish a relationship with PMWMG?
>> How frequently will my account be reviewed and changed?
>> How is PMWMG compensated for its services?
>> Does PMWMG receive a commission for products outside its management services?
>> What are the PMWMG management fees?
 

How do I know my money is safe?
PMWMG employs the same safeguards as other large investment firms, but with a more personal, customized approach to investing. The following tools are in place to safeguard your investment accounts:

  • Compliance and serveillance is handled by TD Ameritrade/Charles Schwab;
  • Mandatory internal audits conducted by TD Ameritrade/Charles Schwab;
  • Subject to external audits by FINRA, State Agencies and other Federal Regulatory agencies;
  • PMWMG is a member of the Securities Investment Protection Corporation (SIPC);
  • TD Ameritrade/Charles Schwab serves as PMWMG’s third-party custodian; and
  • TD Ameritrade/Charles Schwab provide excess insurance coverage via Lloyds of London.

>> DOWNLOAD Safeguarding Your Accounts for additional details.

Does PMWMG provide investment advisory services?
Yes, all three partners (Ken Pogson, Bill Mullenmeister, and Ron Gregg) are Registered Invesment Advisors with the Securities and Exchange Commission (SEC). As Registered Investment Advisors, we are also registered with the State of Arizona and other State Agencies.

Which types of accounts does PMWMG provide advice for?
PMWMG provides advisement services on a variety of account types, including:

  • All types of retirement accounts
  • All types of employee savings plans
  • Taxable accounts including individual, joint and trust registrations
  • Annuities

How does PMWMG choose investments for its clients?
PMWMG employs an Active Investment Process for its portfolio management, taking into account each client’s individual investment goals. More information is included in the customer information materials.

Is there a minimum amount required to establish a relationship with PMWMG?
Yes. $250,000 is required to establish a relationship with PMWMG. PMWMG accepts cash or transfers from other investment accounts, as well as rollovers from other IRA accounts.

How frequently will my account be reviewed and changed?
Individual accounts are consistently monitored on a position-by-position basis and according to client needs. Market circumstances, the geopolitical environment and statistical trends are taken into consideration as part of the Active Investment Process. Multiple variables are analyzed in order to make a buy/sell decision within each client’s portfolio account.

How is PMWMG compensated for its services?
PMWMG primarily employs a fixed “fee-only” structure for its services based on the client’s assets under management. With this fee-only structure, we do not collect commissions and do not face a conflict of interest created by commissions or referral fees paid by other product or service providers. Additionally, this structure allows us to focus on managing our clients’ assets and not on generating transactions to generate unnecessary fees. Please review our fee schedule for further information.

Does PMWMG receive a commission for products outside its management services?
No, PMWMG is a fixed "fee-only" wealth management firm and therefore does not utilize commission based products.

What are the PMWMG management fees?
PMWMG has established consistent account management fees. Based upon total assets under management, client accounts are charged a flat fee for services. Your investment account will be debited the fee in advance of the calendar quarter. As the size of your account increases, the management fee can decrease.

>> DOWNLOAD our fee schedule for further information.
 

Past performance is no guarantee of future returns. As with any investment or strategy there is the potential for loss of principal as well as potential gain, taking into account time horizon, risk tolerance, goals, and objectives among other considerations.