This is what our relationship will look like:
Depending on the complexity of your financial life, we might begin our relationship with a Red Flag Audit®, our proprietary assessment tool that helps us establish a baseline and highlights areas of your current financial life that need attention. From the Red Flag Audit® results, we can then do what we do best—simplify and manage your financial life.
We are available to you any time, but we want to meet with you at least once a year to review your entire financial plan.
We primarily work with clients who have at least $500,000 in investable assets. However, what’s most important to us is having clients who are a good fit and share our financial values.
We charge an ongoing fee based on the value of the investments in your advisory account; the more assets in your account, the lower your fee. Our fee schedule is below:
|Assets Under Management||Annual Percentage of Assets Charge|
|$1,000,000 to $5,000,000||1.0%|
While we are primarily fee-based, there are a handful of financial products or account types we can offer for which we receive a commission or an annual flat fee instead of an ongoing fee. However, we never recommend a product or account unless it is in your best interest to have it.
No, we do not prepare tax or legal documents, but we do work closely with your tax and legal advisors to coordinate and implement the tax and estate components of your financial strategy.
For example, depending on the complexity of your financial life, we may be able to use your tax return to discover new opportunities for your tax strategy, or we may look at your legal documents to ensure your estate planning strategy is aligned with your financial accounts.
Yes. As a Registered Investment Adviser (RIA), our Investment Advisor Representatives (IARs) have a fiduciary duty to always unconditionally put our clients’ best interests ahead of our own.
We are subject to many layers of regulatory oversight by federal, state and self-regulatory agencies.
Walsh & Associates is a Registered Investment Adviser (RIA) registered with the Securities and Exchange Commission (SEC). The SEC requires us to file and update documents that specify our investment style, assets under management, business practices, affiliations, fees, conflicts of interest, standards of conduct and so forth. You can view our SEC documents here (Form ADV, ADV Part 2 and Part 3/Form CRS – Client Relationship Summary).
Our RIA custodian and broker-dealer is LPL Financial, one of the nation’s largest broker-dealers and our partner since 1995. They have no proprietary products to sell and no investment banking relationships to promote, nor do they engage in market-making activities or speculative trading for their own account. LPL’s sole focus is on serving us so we can serve you.
LPL is a member of FINRA/SIPC. FINRA, the Financial Industry Regulation Authority, works under the supervision of the SEC to safeguard the public against fraud and bad practices. View FINRA’s BrokerCheck to check the backgrounds of our advisors.
The LPL Financial SIPC Membership provides account protection up to a maximum of $500,000 per customer, of which $250,000 may be claims for cash. An explanatory brochure is available at sipc.org. Additionally, through London Insurers, LPL Financial accounts have additional securities protection to cover the net equity of customer accounts up to an overall aggregate firm limit of $575,000,000 subject to conditions and limitations. The account protection applies when an SIPC member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against losses from the rise and fall in the market value of investments.
2350 Fruitville Rd., Ste. 201
Sarasota, FL 34237
HOURS: M-F, 9:00-5:00 ET
444 E. Hillcrest Dr., Ste. 230
DeKalb, IL 60115
HOURS: M-F, 9:00-5:00 CT