WorthPartners

WorthPartners is your advisory firm. Our job is to continuously monitor and trade funds under our management to meet your risk objectives, fully diversify and protect your portfolio, and grow your assets. We will make quarterly trading recommendations, send them to you via email or regular mail, and execute the trades within approximately one week unless you request otherwise. We will meet with you regularly at your convenience to discuss your investment goals and objectives.

Once your accounts are set up, we will upload your portfolio report to our online portal, My Worth Center, along with a target portfolio that matches your investment objectives. We will email you our quarterly recommendations, and your trades will be executed four to five business days later if we have not heard from you.

If you choose to opt out of our paperless system, we will mail your reports and recommendations and execute your trades seven to eight business days later unless we hear from you.

We will repeat this process each quarter as we attempt to fully diversify your portfolio and keep pace with the changing economic climate. While we will actively manage your account, some quarters we may recommend no changes based on current market conditions.

You pay a small, fixed percentage of your account as a quarterly management fee. Your fee is deducted from your account in advance of each quarter, in January, April, July, and October. While there are fees associated with executing your quarterly trades, we pay all of them for you. You may disregard any invoices you receive from First Allied, as your management fee is automatically debited from your account.

You receive monthly statements in the mail from Pershing, the custodian of your accounts, and quarterly statements in the mail from First Allied Securities, your broker-dealer. While these reports are mandated by SEC and FINRA regulations, you may request an online username and password from WorthPartners and switch to a paperless system for Pershing statements.

We send you our custom report, which combines all of your accounts, in February, May, August, and November. We also provide you with a target portfolio report that shows the mix of investments we are trying to achieve with your accounts. Soon after this, we will send your quarterly recommendations.

In a commission based account, the advisor receives a larger commission at the time of purchase and a nominal trailing fee after that. With fee based accounts, you pay a management fee as a fixed percentage of your managed assets. We pay the fees associated with trading your funds. Since our fee is a percentage of your assets, our performance is tied to yours. We use a fee-based system so we can focus on managing and growing your assets rather than sales.

We invest in Mutual Funds and Exchange Traded Funds (ETFs). Mutual Funds are professionally managed collective investments, which you can purchase at the end of the day for their net asset value (NAV). ETFs track market indexes, have lower expense ratios, and can be sold and traded at any time during trading hours.

We will email you login information for our secure online portal, My Worth Center, where you can access your quarterly portfolio reports, target portfolio reports, and PAM paperwork. You will also receive statements and trade confirmations in the mail directly from Pershing, the custodian of your accounts. You may go paperless with Pershing by signing up at myedocumentsuite.com. We can also provide you with usernames and passwords to access your direct mutual fund accounts. Please add *@worthpartners.com to your address book to ensure our emails do not end up in your spam folder.

You may contact our investment department and we can set up a one-time distribution or deposit through ACH (electronic) or paper check, or we can set up electronic distributions or deposits at regular intervals. For qualified retirement accounts, there are additional forms you must complete. We recommend consulting with your tax advisor regarding contribution limits and tax withholding, and through Joseph Cahill / WorthTax we would be happy to work with you on tax-related issues.

Each quarter, we will upload your reports to My Worth Center. Soon after this, we will send you our recommendations via email. To keep you apprised of the latest market conditions, we will also send you economic reports regularly.

First Allied Securities is an independent broker-dealer offering an array of over 80,000 products so we can pick and choose the best securities for your portfolio. They are responsible for executing trades and ensuring compliance with all applicable laws and regulations.

Pershing is a division of the Bank of New York Mellon Corporation, and holds over $700 billion in assets. Pershing acts as an independent custodian for your account and clears all trades executed by WorthPartners and First Allied Securities.

These are some of the top investment management companies in America, offering many best-in-class financial products including Mutual Funds and Exchange Traded Funds (ETFs).

WorthPartners is our investment management and insurance company. Joseph Cahill & Associates / WorthTax is our tax division.