Western Financial Corporation (“Western”) provides Customized Portfolio Management (CPM) services to individual investors and families, trusts, estates, charitable organizations, retirement plans, small businesses, and high-net-worth individuals.
Western also provides cash flow and retirement planning as part of its overall advisory services as well as portfolio risk analysis to better assist clients in understanding the risk and return potential of their portfolios.
Western is a fiduciary fee-only adviser which provides services strictly based upon fiduciary standard principles that always put the client’s interests first. Fees are charged based upon a percentage of assets under management. We do not charge commissions and can only do better if our clients do better.
Brokers have historically not been held to the same level of fiduciary standards and may choose to be compensated through commissions, fees, or both.
Western primarily uses TD Ameritrade Institutional as custodian for its client accounts. However, clients may make arrangements for their accounts to be held at other custodians.
Western is a fee-only adviser. We strive to offer great value with our services and provide complete transparency to our fees. We charge a management fee based upon the value of the portfolios we manage and do not charge commissions or receive other compensation for referrals.
Our fees are detailed in our Form ADV 2A and Form CRS which can be accessed under Quick Links at the bottom of our website. We would be pleased to send you both forms upon request as well as discuss the fees directly with you.
Western requests that each client enter into an investment management agreement which includes a client profile and describes exactly how the client would like his or her account to be managed. The investment management agreement allows the client to specify investment categories (growth, value, small or large cap, taxable or tax free) as well as percentage allocation to asset classes (equities, fixed income, cash or other).