Who is Wall & Company?
What is a registered investment adviser?
What does Wall & Company sell?
Whom do we serve?
Who can benefit from our services?
How much money do you need to start a financial planning program?
What is a financial plan?
How much do we charge for our services?
Are the fees tax-deductible?
Do we sell financial planning products such as investments and insurance?
Does Wall & Co. invest in financial products recommended to their clients?
Does Wall & Co. suggest brokerdealers to their clients?
If you use Wall & Co. to develop a financial plan, are you obligated to purchase the recommended products?
Do we provide legal services?
Does Wall & Co. provide tax preparation?
What types of securities do we provide advice about?
What method of analysis do we use to analyze investments?
What are the principal sources of information we use?
What type of investment strategies do we generally recommend?
Will client information be kept confidential?
Once a program is completed, does our business relationship end?
How do you get started?
WHO IS WALL & COMPANY?
Wall & Company is a financial planning and investment advisory firm registered with the Securities and Exchange Commission as a Registered Investment Advisor. Our SEC number is 801-51959. We also maintain a current investment advisory registration with the State of North Carolina Department of Corporations.
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WHAT IS A REGISTERED INVESTMENT ADVISER?
A registered investment advisor is a fiduciary who has a duty of undivided loyalty to his investment advisory clients and must deal fairly and honestly with them. Any person or entity that holds itself out as a financial planner must be registered with the SEC as an Investment Advisor. A Registered Investment Advisor (RIA) is a representative of the client. There are no education or experience requirements for a person to become registered with the Commission as an investment Advisor.
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WHAT DOES WALL & COMPANY SELL?
Professional investment management services and sound financial planning advice regarding taxes, investments, insurance, estate planning, pensions, retirement and general financial matters.
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WHOM DO WE SERVE?
Individuals, corporations, small businesses, estates and trusts.
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WHO CAN BENEFIT FROM OUR SERVICES?
Any client who wishes to employ the services of a professional investment advisor who can potentially generate higher investment returns with lower investment risk. Furthermore, clients who desire a more sophisticated level of investment or financial planning services than they are receiving from their other advisors may also find our services and programs appealing.
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HOW MUCH MONEY DO YOU NEED TO START A FINANCIAL PLANNING PROGRAM?
Wall & Company offers investment management
programs with minimums as low as $100,000. We recognize
that persons with modest assets have financial problems
or needs as well.
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WHAT IS A FINANCIAL PLAN?
A financial plan is an overall review of your financial situation that takes into account your goals and objectives and focuses on such areas as income tax planning, asset management, risk management, estate, educational and retirement planning. The plan analyzes and recommends ways that you can achieve your financial objectives. Depending on your specific needs, some or all of these areas will be addressed by the plan, which may be presented orally or in writing.
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HOW MUCH DO WE CHARGE FOR OUR SERVICES?
Our client appointments and reviews are generally
free of charge, unless otherwise agreed upon. Fees
for financial plans are charged on a hourly rate
of $120 per hour. Professional investment management
fees range from 1% to 2.25% depending on the investment
programs selected and assets under management. An
optional performance management fee is available
to accredited investors only (request our Form ADV
Part II and Form ADV Schedule F for more details).
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ARE THE FEES TAX-DEDUCTIBLE?
Section 212 of the Internal Revenue Code permits an itemized deduction for tax and/or investment advice, subject to certain restrictions.
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DO WE SELL FINANCIAL PLANNING PRODUCTS SUCH AS INVESTMENTS AND INSURANCE?
Wall & Company provides only financial planning advice on a fee only basis. Certain financial products, however, can be purchased from registered representatives affiliated with Wall & Co. Securities. If these products are purchased by the client, the registered representative might receive the normal commission. Thus, a conflict may exist between the representative's interest and that of the client.
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DOES WALL & CO. INVEST IN FINANCIAL PRODUCTS RECOMMENDED TO THEIR CLIENTS?
At times, the principals and affiliated persons of Wall & Co. may invest in products recommended to the client. In any case, Wall & Co. is too small an investor to noticeably affect the market or to benefit significantly from the client's investing.
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DOES WALL & CO. SUGGEST BROKERDEALERS TO THEIR CLIENTS?
The principals and associates of Wall & Co. are registered representatives of Wall & Co. securities, a member of NASD/SIPC. If the client chooses to implement advice through principals and associated persons of Wall & Co., the Broker-Dealer is Wall & Co. Securities. However, the client does have the choice to use other Broker-Dealers.
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IF YOU USE WALL & CO. TO DEVELOP A FINANCIAL PLAN, ARE YOU OBLIGATED TO PURCHASE THE RECOMMENDED PRODUCTS?
No, you're not. You are free to implement our recommendations as you wish.
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DO WE PROVIDE LEGAL SERVICES?
Wall & Co. provides professional investment management services, financial counseling and investment advice. However, legal services are available through its Financial Partners Network-a group of preferred service providers.
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DOES WALL & CO. PROVIDE TAX PREPARATION?
Wall & Co. provides investment management, financial counseling and investment advice only. However, tax preparation services are offered and coordinated through our Financial Partners Network.
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WHAT TYPES OF SECURITIES DO WE PROVIDE ADVICE ABOUT?
Bank deposits, US Government Securities, Corporate
and First Mortgage Bonds, Municipal Securities,
Equities, Mutual Funds, Fixed and Variable Annuities,
Variable Life Insurance and trusts.
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WHAT METHOD OF ANALYSIS DO WE USE TO ANALYZE INVESTMENTS?
We primarily use technical analysis to determine
when a client's equity and bond investment should
be "in" or "out" of the market, within our Wall
& Company Investment management programs. On occasion,
we will also use a fundamental approach, looking
at such things as economic conditions, earnings,
industry outlook, politics (as they relate to the
investment), historical data, price earnings ratios,
dividends, general level of interest rates, company
management and tax benefits. Additionally, Wall
& Company may lease market timing signals from
outside investment professionals. Our top priority
is to harmonize the client's investments with their
financial objectives, not ours.
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WHAT ARE THE PRINCIPAL SOURCES OF INFORMATION WE USE?
Wall & Co. utilizes the general media of domestic, international and governmental newspapers, bulletins, magazines, books and other publications. Materials prepared by the investment publications and research releases prepared by others are also utilized.
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WHAT TYPE OF INVESTMENT STRATEGIES DO WE GENERALLY RECOMMEND?
Wall & Co. makes both long-term and short-term recommendations as the circumstance may indicate.
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WILL CLIENT INFORMATION BE KEPT CONFIDENTIAL?
Yes. Wall & Co. is required by law to keep all client information confidential.
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ONCE A PROGRAM IS COMPLETED, DOES OUR BUSINESS RELATIONSHIP END?
Working with Wall & Co. is an ongoing process and not necessarily a onetime transaction. We offer ongoing service, periodic review and day-to-day consultation as necessary. Additional fees may be charged for these services.
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HOW DO YOU GET STARTED?
Contact us at the telephone number located on the front page, tell us your concerns or needs, and we'll let you if and how we can be of assistance to you.
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