New Mutual Rewards

 

A Client Referral Program: Mutual Rewards

We Invite You to Participate in our Mutual Rewards Program, Specifically Designed for Clients Only.  Through this Program, if a New Prospective Client is Referred to us and that Individual Ultimately Becomes a Client of EmergingWealth Investment Management, Inc.^® (EmergingWealth), EmergingWealth will Donate $250.00 to the Charity of the Referring Client’s Choice.  The Only Qualification is that the Charity or Organization Must Have a 501(c)(3) status (most charities and religious organizations qualify).

 

Who Do I Refer?

1. Individuals Who Have Had Poor Investment Returns
2. Individuals Who Pay High Fees And/Or Commissions
3. Individuals With Complex Financial Situations
4. Individuals In The Process Of Changing Their Employer Or Retiring
5. Pre-Retirees And Retirees Concerned About Outliving Their Monies
6. Individuals Who Have Come Into Sudden Wealth
7. Retirement Plans That Require Investment Management By A FiduciaryxThe Department of Labor’s Definition of a Fiduciary Demands that Advisors Act in the Best Interests of their Client, and to Put their Clients’ Interests Above their Own.  It Leaves No Room for Advisors to Conceal any Potential Conflict of Interest, and States that all Fees and Commissions Must be Clearly Disclosed in Dollar Form to Clients.
   
   Source: Investopedia
8. Investors Who Utilize A Broker Or Fee-BasedxUnlike Fee-Only, Financial Advisors who are Paid by the Client Directly (Not Through Commissions), Fee-Based Advisors Often Earn Commissions on Products Sold as well as Charge Fees.  Obviously, this is a Conflict of Interest and Not in the Best Interest of the Client.
   
   In short, Fee-Based Advisors are Paid by Their Clients but also Receive Payments from Other Sources, such as Commissions from Financial Product Sales.
   
   Brokers and Dealers (or Registered Representatives) are Required to Sell Products for Commissions that are "Suitable" to Their Clients.
   
   Selecting a Financial Advisor? Ask if they are a Registered Investment Advisor and if They and Their Firm are Fee-Only Advisors 100.0% of the Time – Meaning They Never Receive Commissions!  If they Don’t Receive Any Commissions, then Both the Advisor and the Firm are Fiduciaries.
   
   If the Advisor is a Broker or a Dealer, They are a Registered Representative, which Means They are Generally Held to a Lower Legal Standard, which Requires Them to Sell Products that are “Suitable” to Their Clients.
   
   If an Individual is a Registered Representative of a Broker/Dealer or is a Fee-Based Advisor, Search for their Firm’s Form ADV Filing at the U.S. Securities and Exchange Commission Website: www.sec.gov.  The ADV Document Includes Information that Spells Out How Brokers at the Company are Compensated.  Check Form ADV Before Retaining any Financial Advisor.  Form ADV Explains an Advisor and Advisory Firm’s Fee Structure, but also Lists Any Past Misconduct. (Earns Commissions From Product Sales) Advisor
9. “Do-It-Yourself” Investors Who Need Professional Investment Management
10. Individuals Who Are Selling Or Have Sold Their Business

MUTUAL REWARDS BROCHURE