frequently asked questions
about financial planning & Investment Managment. See the most common topics and more
What makes Cru Wealth Management Different?
Most firms focus on volume and margins, not relationships. This is why many companies have 250 or more households per advisor. However, we refuse to sacrifice the client experience for the sake of margins. We are currently limiting clients to 70 per advisor. This allows us to truly build personal relationships with our clients, and help them with any financial decision – large or small.
Why is client count important?
This is crucial because most clients expect, and rightfully so, to have access to their advisor when life happens. If client count is too high, then an advisor will be too busy to help with things they consider small – even when it is significant in your life. We want to have time to connect with your mortgage broker, call your 401k provider with you, and navigate their
benefits. These take time but are important to our
peace of mind.
Are you a fiduciary?
Yes, with zero qualifiers attached.
Do I need to have assets managed with you in order to work together?
No, we do not have asset minimums. However, most of our clients choose our portfolio services.
Do you sell insurance products?
We don’t sell any products or receive commissions (an unfortunate component of insurance sales). However, we do include insurance coverage in our risk management analysis and will make sure you have the proper insurance policies in place. If you need to purchase any policy, we will refer you to a licensed insurance provider.
What does fee-only mean?
This should perhaps be the most important factor when hiring an advisor. This means that our firm compensated by no other means than the transparent fees our clients pay. This gives you confidence that there are no kickbacks or commissions for recommendations made by your advisor. We are 100% committed to being fee-only.
Do you offer tax services?
Yes, through our back-office tax firm partnership, we can offer tax preparation and additional tax planning for our clients. Utilization of this service could result in an adjustment to your quarterly fee.
Do you offer estate planning?
We help clients identify risks and gaps in their estate plans, and will refer them to an attorney for drafting of the documents.
LET’S WORK TOGETHER
If you are looking for a true partner to walk with you on your financial journey, reach out today and let’s see if we are a good fit for each other.
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Cru Wealth Management LLC (“CWM”) is a registered investment advisor offering advisory services in the State(s) of Texas and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by CWM in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.
All written content on this site is for information purposes only. Opinions expressed herein are solely those of CWM, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to other parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.
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