SERVICE OFFERING
Initial consultation and account set-up assistance
Automated investment management & online performance reporting
Foundational money coaching & access to online budgeting tools
Access to a Certified Financial Planner (CFP®)
Financial Plan: Real-time & cloud-based comprehensive financial planning
Tax: CPA® prepared tax returns and proactive tax planning
Estate Planning: Document review & Wealthquest credit to update or establish plan documents
Investment Planning: Customized investment management that combines the best active, passive, & alternative strategies
Family Legacy Planning: Generation-skip & tax reduction strategies
Advanced charitable strategies using charitable trust design, donor advised funds, and private family foundations
 
$5,000 - $350,000
 
 
 
 
 
 
$350,000 - $2,500,000
 
 
> $2,500,000

The Wealthquest Financial Path

Investments starting below $350,000

This is the base camp for your financial journey. With Ascend, you will receive foundational money coaching from a CFP® professional to ensure you’re on the right path. As you begin to invest, save, and set goals for your future, you can trek on with confidence – knowing you have the expertise of an entire investment firm as your guide. As your life begins to get more complicated, our coordinated approach makes it easy to know when to take the next step along the Wealthquest Financial Path.

Intelligent Investment Management

We give you our best thinking no matter how much you have to invest.

0.80%/YEAR

By leveraging cutting edge technology, implementing a well-diversified investment strategy, and minimizing the cost of investing, we’ve built efficient portfolios that seek to maximize returns for your given level of risk. Our investment advantage.

Step 1

Schedule a call to open your account

Step 2

Plot the course of our relationship

Step 3

Pursue your goals

Personalized Financial Planning

The planning you do now will help you build a rich life.

ANNUAL FEE

Whether you’re just looking to cover the basics, or would like the full clarity and confidence of a comprehensive financial plan, a Certified Financial Planner (CFP®) will be your guide to a strong financial future. Why Financial Planning?

Plot Your Course

Basecamp

YEAR 1 UPFRONT COST: $550
YEAR 2 AND BEYOND RETAINER FEE:

Critical to your financial journey is a well-established Basecamp. Here, a Certified Financial Planner (CFP®) will perform a basic gear check to ensure you’re prepared for what lies ahead. This includes customized recommendations to protect against unwanted risks and savings strategies that will help you achieve your goals. Every client will also be equipped with their own financial management website for online DIY budgeting and net worth tracking. Through it all, a CFP® professional will be available for ongoing support and guidance.

Learn More

Pursue

YEAR 1 UPFRONT COST: $1,050
YEAR 2 AND BEYOND RETAINER FEE:

Pursue is about doing the journey with you. Here, we leverage the best technology in the business to build a comprehensive financial plan and put every piece of your financial puzzle in one place. Then, we’ll deliver customized recommendations tailored to your financial journey and give you access to cloud-based financial planning and budgeting software so you can track your progress. Finally, we make sure you’ve got a dedicated CFP® professional by your side as you venture through life’s big transitions.

Learn More

FAQs

  • How much do I need to open an account with Ascend?

    A minimum investment account of $5,000 is needed for a client to be eligible for Ascend. An Ascend investment management account is required in order to opt into the financial planning service.

  • How do I get started?

    We’ve found that the account opening process works best if we’re there to answer your questions and guide you through the exercise. Therefore, the first step to getting started with Ascend is to schedule a call with a financial advisor. During your meeting, the advisor will answer your questions and can also walk you through the account opening process.

  • How much will this cost me?

    INVESTMENT MANAGEMENT – We charge a flat fee of 0.80%/yr. on the balance of accounts we manage. Period. There are no trading fees and we don’t earn commissions.

    Calculate Fee

    Financial Planning

    BASECAMP – An upfront fee of $550 covers initial analysis and recommendations. This initial fee also covers 12 months of access to a CFP® professional and your personal financial website powered by Checkpoint. Starting in year two, a retainer fee will be charged to retain the services of a CFP® professional, along with the personal financial website powered by Checkpoint.

    YEAR 2 AND BEYOND RETAINER FEE:
    AUM $5K- $99K $550/YEAR
    AUM $100K - $199K $350/YEAR
    AUM $200K - $299K $200/YEAR
    AUM $300K - $350K $0/YEAR

    PURSUE – An upfront fee of $1,050 is required to build the comprehensive financial plan and generate customized recommendations. This initial fee also covers 12 months of access to a CFP® professional and your personal financial website powered by Checkpoint. Starting in year two, a retainer fee will be charged to retain the services of your dedicated CFP® professional, along with the cloud-based financial planning and budgeting software powered by Checkpoint.

    YEAR 2 AND BEYOND RETAINER FEE:
    AUM $5K- $99K $550/YEAR
    AUM $100K - $199K $350/YEAR
    AUM $200K - $299K $200/YEAR
    AUM $300K - $350K $0/YEAR
  • How will my accounts be invested?

    Ascend accounts are invested on the Charles Schwab platform.

    Global Diversification: With an investment strategy modeled after Nobel-Prize winning research and Modern Portfolio Theory, Ascend portfolios are built using low-cost ETFs across twelve different asset classes. By minimizing the total cost of investing and utilizing diversification, our portfolios are able to maximize returns for every given level of risk.

    Automatic Rebalancing: As the value of your investment account changes, Ascend portfolios are automatically rebalanced to ensure the integrity of your optimal asset allocation. This risk-management strategy reduces unwanted risk. It also locks in returns by selling assets that have appreciated and then buys positions that are underpriced.

    Tax-Loss Harvesting: Once a strategy for only the most sophisticated investors, tax-loss harvesting has proven to be an effective strategy for offsetting investment related taxes. This is done by selling a position that has experienced a loss and immediately replacing it with a similar position that keeps you at your optimal asset allocation. This loss that has been ‘harvested’ can then offset taxes on both income and gains in your account. Clients with greater than $50,000 can utilize this tool in their taxable accounts.

  • What is financial planning and why do I need it?

    BASECAMP: This exercise is meant to assess your financial vital signs to make sure you are building your financial future on a strong foundation. This includes protecting against unwanted risk and ensuring you are saving efficiently for the future. Once we gather a little bit of information from you, we’ll be able to generate a set of customized recommendations for:

    • Budgeting
    • Life & Disability Insurance
    • Customized Retirement Saving Strategy
    • Estate Planning
    • Employer Benefits
    • Investment Recommendation for Employer Sponsored Retirement Plans: 401K, 403B, etc.

    PURSUE: Have you ever wondered how all the pieces of your financial puzzle fit together? Investments, taxes, insurance, estate planning, debt management, education funding – these may just be some of the intertwining elements of your financial picture. Together we’ll sit down and sort through all the moving pieces and build a customized strategy that will help you achieve your goals. All this is done in real time and under the trusted direction of your dedicated Certified Financial Planner (CFP®) professional. This analysis includes, but is not limited to:

    • Cashflow management
    • Retirement Savings & Strategies
    • Tax planning
    • Risk management
    • Estate planning
    • Education planning
    • Decision coaching
    • Debt Repayment
    • Credit Score Coaching
    • Life Stage Coaching (Having Kids, Buying a Home, Job Transition)
    • Work Benefits Analysis
    • Stock Options – ESPP, RSU, ISO, NQSO
    • Investment Recommendation for Employer Sponsored Retirement Plans: 401K, 403B, etc.
  • Why should I go with Ascend and Wealthquest?

    As a fee-based Registered Investment Advisor (RIA) we hold ourselves to a fiduciary standard when serving our clients. This is the highest standard of care and means the client’s interest always come first. In a time where so many financial ‘voices’ surround us – it’s crucial to find someone you trust to give straightforward advice that serves your best interest. Like you, we at Wealthquest are in this for the long haul. We want to get to know you – to hear your story and learn what makes you tick. Only then can we be fully invested in your future. Then, as your life grows more complex over time, we want to be the voice of reason that helps you navigate life’s transitions and big decisions. If you are someone who wants to start saving and planning seriously for your future, let’s get started!



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SERVICE OFFERING
Initial consultation and account set-up assistance
Automated investment management & online performance reporting
Foundational money coaching & access to online budgeting tools
Access to a Certified Financial Planner (CFP®)
Financial Plan: Real-time & cloud-based comprehensive financial planning
Tax: CPA® prepared tax returns and proactive tax planning
Estate Planning: Document review & Wealthquest credit to update or establish plan documents
Investment Planning: Customized investment management that combines the best active, passive, & alternative strategies
Family Legacy Planning: Generation-skip & tax reduction strategies
Advanced charitable strategies using charitable trust design, donor advised funds, and private family foundations
 
$5,000 - $350,000
 
 
 
 
 
 
$350,000 - $2,500,000
 
 
> $2,500,000