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What is SFA's philosophy on investing?

A: SFA employs a diversified investing approach, viewed through a long-term perspective, looking toward developing and maintaining multi-generational wealth. Our goal is to consistently produce "absolute" returns (not relative to an index) based on each client's specific needs. 

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Is my money contributed to one large portfolio, or is my money managed separately?

A: Each client portfolio is tailored specifically to compliment a client's individual financial plan, which is based upon age, cash needs, risk tolerance, tax considerations, and other relevant personal circumstances.

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How often do you buy and sell? What is your rate of turnover?

A: As a general statement, SFA invests with a long term perspective. We buy and sell primarily for purposes of rebalancing. We are not active traders.

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Upon joining SFA's private client group, will the entirety of my assets be invested immediately?

A: No, the assets will be staged into specific investments, depending on then prevailing market circumstances.

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How is SFA different from brokerage houses?

A: Sweetwater Financial Advisors is free of constraints and motivations often tied to large corporate brokerage organizations. We review, analyze, and select from a wide universe of investment options.   SFA earns no fees from commissions - another difference from brokerage houses.

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Who are your typical customers?

A: Individuals and families with an account minimum of $500,000 in investible assets comprises our client base. These include entrepreneurs, professional athletes, physicians, retirees, business professionals, and institutions.

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How much do you charge?

A: SFA earns its fees through a quarterly deduction from your account balance. This fee typically ranges from 1.00% to 1.50% annually, depending on account balance, and may be tax deductible.

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How often do you report to your clients?

A: We provide our clients with a formal report each quarter, and more informally on an as needed basis.   We stay in contact with our clients on a regular basis.

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What happens if I want to switch firms?

A: SFA takes pride in retaining clients for the long term.   However, clients are always in ultimate control of their assets, and can switch firms with one phone call.

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Do you charge separately for writing a financial plan?   If so, what is the cost?

A: Personalized financial plans are written on a case by case basis.   A separate fee, if applicable, is based on the complexity of the plan.

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Where are my assets actually held in custody?

A:Client assets are held with TD Ameritrade or Charles Schwab & Co., Inc. They are two of the nation's largest financial services firms, providing securities brokerage and related financial services for millions of active accounts. Both are members of the Securities Investor Protection Corporation (SIPC).