MKS Wealth Management FAQs

I have been a CERTIFIED FINANCIAL PLANNER^™ since 1993, with decades of experience in the financial industry
advising individuals and institutions. 

We offer three different fee programs. You pick the one that fits your needs best.

- The most common is the “Advisory” program in which you pay 1.35% to 0.60% annual fee, paid quarterly with

the rate dependent on the value of your account.

- We also offer a “Commission” based program where your pay for transactions both buying and selling. The

transaction costs ranges from 6.00% to 2.00% depending on the amount and type of security.

- Lastly we offer an “Hourly” fee program at a rate of $300.00 which is designed primarily for special financial

projects (e.g. Retirement Plan reviews, Estate Plan review, etc.)

We work primarily with individual investors, who are interested in building and preserving wealth that will last for
generations. We focus on you, your children, your parents, and extended family. As part of our wealth management
strategies for our small and medium size business clients we manage retirement plans.

No, but our typical client has $500,000 to $12,000,000 of investable assets.

Our firm was created to focus on providing individualized advice, independent of the influences of any large institution.
We are able to provide clients with sound recommendations on a broad range of investments, services, and
strategies. We review multiple investment analysis as well as our own research before offering investment
recommendations. By understanding your goals, concerns, and risks we develop your plan which leads to your
investment portfolio and strategy.

It is the abbreviation for CERTIFIED FINANCIAL PLANNER^™ which is a professional designation that requires a specific and
rigorous course of study followed by a board examination to qualify. To maintain the designation also requires
continuing education and the highest ethical standards in the financial industry.

Unfortunately the financial governing bodies restrict the use of any written recommendations or testimonials. Your CPA
or attorney may be a good source of consultation and their inquiries are welcomed in the interview process.

A variety of factors influence the building and management of your portfolio and while diversification and asset
allocation are important they are not a panacea for eliminating portfolio risk, so we build portfolios specifically designed
for you based on your goals and financial circumstances.

You will have access to stocks, bonds, mutual funds, Exchange Traded Funds (ETFs), Alternative Investments, options,
annuities, Life Insurance, Long Term Care Insurance, and retirement plans (IRAs, Roth IRAs, Profit Sharing Plans, 401-Ks).

We use LPL Financial as our Custodian and Broker-Dealer. LPL Financial is one of the leading financial services companies
and the largest independent broker/dealer in the nation*. See: lpl.com for more information. You will receive your
monthly statement from LPL Financial.
*As reported by Financial Planning magazine, June 1996-2023, based on total revenue

Yes. You can connect through our website or set up a direct link with LPL Financial.

We can meet or talk as often as you’d like whether monthly, quarterly, annually, or as needed. It is important to review
you financial plan, goals, and investment portfolio at least annually, we will schedule your annual review. We are also
available by phone or email; we make every effort to return all inquiries within 24 hours, and always as soon as possible.

We provide an in-depth review at least annually. We also review all accounts quarterly, as well as monitor events
effecting portfolios daily via the computer. You are also a key ingredient in the monitoring process and your inquiries are
welcomed. We provide you with a toll free number, voice mail, cell phone contact, and email to make certain your
concern is addressed in a timely manner.

Yes. You choose the level of your participation and directing of your accounts. We provide the advice and
recommendations but you can be the final decision maker of whether to buy or sell a particular investment. We do
direct most of our clients to allow us discretion which we intend to use primarily to manage your account in a major
market or security down turn. We will discuss and confirm all investment strategies before executing any transaction on
your behalf (even in your discretionary accounts if time permits).

Yes, we have clients all across the United States. Contact is generally via the phone and email but we also travel to see
clients when necessary, as well as connecting through video conferencing.