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Fiduciary, Independent, Fee Only Financial Advisors

UAK Diversified
Wealth Advisors
763-355-2337

UAK Diversified Wealth Advisors 763-355-2337UAK Diversified Wealth Advisors 763-355-2337UAK Diversified Wealth Advisors 763-355-2337

UAK Diversified
Wealth Advisors
763-355-2337

UAK Diversified Wealth Advisors 763-355-2337UAK Diversified Wealth Advisors 763-355-2337UAK Diversified Wealth Advisors 763-355-2337
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    • Home
    • Meet Us
      • Financial Advisors
      • Appointment
      • Fiduciary Fee
      • Blogs
    • Services
      • Investment Management
      • Retirement Planning
      • Insurance Planning
      • Trust Fund

EN

  • Home
  • Meet Us
    • Financial Advisors
    • Appointment
    • Fiduciary Fee
    • Blogs
  • Services
    • Investment Management
    • Retirement Planning
    • Insurance Planning
    • Trust Fund

Service Options and Fees

ASSETS UNDER MANAGED (AUM) SERVICE:

ONE-TIME FINANCIAL PLANNING SERVICE:

ASSETS UNDER MANAGED (AUM) SERVICE:

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RETAINER FEE ARRANGEMENTS:

ONE-TIME FINANCIAL PLANNING SERVICE:

ASSETS UNDER MANAGED (AUM) SERVICE:

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ONE-TIME FINANCIAL PLANNING SERVICE:

ONE-TIME FINANCIAL PLANNING SERVICE:

ONE-TIME FINANCIAL PLANNING SERVICE:

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ASSETS UNDER MANAGED (AUM) SERVICE:

Optimized investment and complementary services

  • We provide “Basic,” “Premium,” or “Executive” level services to these clients depending on the size of the assets we directly manage (Please see ONGOING FINANCIAL CONSULTING ARRANGEMENTS below).  This may result in a much lower fee for clients in certain situations.  Annualized fees are shown to the left.  Suitable for those who want robust investment management service that is also tailored for tax optimization.  We may make discretionary trades that are time sensitive in the interest of tax optimization or take advantage of short-term volatilities. 
  • Under this service, We replicate the asset allocations of 4 or 5-star mutual funds by Morningstar using exchange-traded funds.  We use ultra-low expense exchange-traded fund products to keep fund expenses well under 0.07%. (ESG portfolios have slightly higher expenses)   
  • We provide objective performance comparisons in an effort to match or exceed these top-performing mutual funds.  Schwab, the custodian, produces these performance reports, abiding by Global Investment Performance Standards – GIPS®. We objectively compare our performance with the leading mutual funds using a net-of-fee basis in the most transparent and verifiable way for our clients.  
  • Optimized Diversified is different than Diversified Enough to be Legally Compliant. Many low-cost target-dated or allocated mutual funds follow barely compliant models to keep the expenses low. Such low-cost index-allocated mutual funds would not be allowed in institutions or corporations. It is because they are not optimally diversified, and they have concentrated risks in a few asset classes. 

OUR FEES vs the INDUSTRY AVERAGE fees

Our fees are competitive and we avoid products that enrich broker dealers.

Our fees are competitive and we avoid products that enrich broker dealers.  We use low expense investment products often used by institutions.

Average Financial Planner's All In Fee (Management + Product Expenses)

Average Financial Planner's All In Fee (Management + Product Expenses): Mutual funds and Annuities enrich advisors' employers, broker dealers.

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Ongoing Financial Consulting Arrangements (1 yr contract)

Basic Service:

  • Recommended for investable asset sizes less than $750K with a majority in tax-qualified accounts. 
  • Initial full comprehensive financial planning and ongoing updates as needed.  In this service, we examine your finances in their totality. The assessment normally takes four months to complete, with 4 meetings in total expected. You will receive a detailed report of where you stand, a list of steps to take moving forward, and an assessment of how close you are to obtaining your financial goals.  High-level assistance in strategy implementation included.
  • Ongoing consultation on major financial topics (for example, mortgage refinancing, giving plan). 
  • Quarterly portfolio review, account maintenance, and recommendations (rebalancing and tax harvesting).
  • High-level advice on held-away assets. Limited assistance in implementation on these accounts.
  • Cost ranges between $3,400 and $4,500 per year; 65% is payable upfront, with the remainder due 6 months into the engagement.

Premium Service:

  • Recommended for investable asset size of less than $1.5M with some in unqualified taxable accounts. Or for those with mid-to-upper senior management-level compensation arrangements
  • Includes all the services from Basic Service.
  • Judicious investment management of existing investment portfolio. In complex situations, we recommend transferring as is to Schwab for us to execute trades more efficiently. Investment funds can be transferred to Schwab Brokerage Services without altering or creating complications. The changes could sometimes occur over several years to mitigate significant taxable realized gains.
  • We provide fully diversified exchanged traded fund solutions that mimic top mutual funds. Using exchange-traded funds, we replicate the asset allocations of 4 or 5-star mutual funds by Morningstar. We provide objective performance comparisons to match or attempt to exceed these top-performing mutual funds on a net-of-fee basis.
  • High-level tax strategies.
  • Employee Benefits Assessment
  • Insurance Policy Review or planning
  • Budgeting – High-level strategy
  • Monitor and advise on investment accounts that are held away (401K, Trust, or other restrictive accounts) up to 3 accounts.
  • Cost ranges between $5,200 and $7,400 per year; 65% is payable upfront, with the remainder due 6 months into the engagement.

Executive Service:

  • Suitable for investable asset size greater than $1.5M.  Or for those with executive-level compensation arrangements, Executive Deferred Compensation, Stock Options, Stock Grants, an executive-level employee of a private company with profit sharing, or other bespoke award arrangements.
  • Includes all the services from Premium Service
  • Complex financial planning strategies geared towards making generational wealth transfers or charitable giving involving trust or LLP creations or maintenance.  
  • Individual tax return service and strategy consultations by a prestigious CPA firm in Saint Paul MN, Lethert, Skwira, Schultz & Co. LLP.  Or, we reimburse individual tax return service if clients wish to continue to use their existing CPA and are happy with their current service. 
  • Budgeting – more involved implementation strategy if the client wishes. 
  • More thorough monitoring and advice on investment accounts held away (401K, Trust, endowment fund, or other restrictive accounts) up to 7 accounts. 
  • Cost ranges between $8,200 and $11,700 per year; 65% is payable upfront with the remainder due 6 months into the engagement.

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One-time financial planning service:

Transactional Engagement:

  • In this service, we examine your finances in their totality and then send you on your way. The assessment normally takes three months to complete with 3 to 4 meetings in total expected. By the end, you will receive a detailed report of where you stand, a list of steps to take moving forward, and an assessment of how close you are to obtaining your financial goals. 
  • If you are someone who values professional advice but prefers to take matters into your own hands, then a one-time financial planning service may be what you need.  
  • Pricing depends on the complexity and intensity.  

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WE ARE FEE ONLY & Fiduciary FINANCIAL ADVISORS

What is a "Fee Only Financial Advisor".  We serve Minneapolis, Saint Paul and Rochester areas.  

OTHER FINANCIAL ADVISORS

Many financial advisors aren't legally required to act in your best interest. Instead, they only have to do what's suitable for you. 


"Big name" brokerage firms like Merrill Lynch and Wells Fargo may sell proprietary products even though they may not be the best product for you. This may create a conflict of interest and could increase your cost. 


They receive hidden commissions and third-party payments for selling products in addition to the fees they may charge.[4]


They are generalists often focusing on investing alone with little consideration for your retirement goals, taxes, and income needs.

UAK DIVERSIFIED WEALTH ADVISORS

As a registered investment advisors, our advisors are held to a fiduciary standard legally requiring us to act solely in your best interest.


We don't sell proprietary products and only select investment vehicles from the available universe of securities that we know to be most suitable and efficient for our client’s needs.


Our financial advisor fees are simple and straightforward based on a predetermined percentage of your assets under management or a fixed financial planning fee. We never charge commissions.


We specialize in retirement income planning and investment management with special attention to taxes, income, and preserving wealth in retirement.

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Legal Disclosure

All written content on this site is for information purposes only. Opinions expressed herein are solely those of UAK Diversified LLC dba UAK Diversified Wealth Management and our editorial staff. The information contained in this material has been derived from sources believed to be reliable, but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by UAK Diversified LLC dba UAK Diversified Wealth Management a Registered Investment Advisor in the State of Minnesota. UAK Diversified Wealth Management is not affiliated with or endorsed by the Social Security Administration or any other government agency.


The presence of this website shall in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the State of Minnesota or where otherwise legally permitted. All written content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions.


Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former Clients. They should not be construed as an endorsement or testimonial from any of the persons in the photograph.


These materials have been independently produced by UAK Diversified LLC.  UAK Diversified LLC is independent of, and has no affiliation with, Charles Schwab & Co., Inc. or any of its affiliates (“Schwab”). Schwab is a registered broker-dealer and member SIPC. Schwab has not created, supplied, licensed, endorsed, or otherwise sanctioned these materials nor has Schwab independently verified any of the information in them.  UAK Diversified LLC provides you with investment advice, while Schwab maintains custody of your assets in a brokerage account and will effect transactions for your account on our instruction.

 
We are Fiduciary, Independent, and Fee only financial advisors. You can expect Objectivity, Open Communication, Accountability, Discipline, and Coordination.  We are Registered investment advisors serving Saint Paul, Minneapolis, Rochester, and near Twin City areas and where otherwise legally permitted. Please Email us with inquiries.  


Copyright © 2018 UAK Diversified - All Rights Reserved.

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