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Save for a Rainy Day
As fall sets in Seattle we know what’s coming, rain! Saving for a rainy day is an idiom whose origins are really unknown, but all
The ZWM Difference
Transparent Wealth Management for All Clients
In the ever-evolving landscape of wealth management, Zeltmaier Wealth Management (ZWM) is committed to providing transparent and client-focused services. At ZWM, each client is treated with respect and offered tailored financial advice without the hidden charges often associated with traditional firms. By emphasizing clear communication and understanding, we ensure that our clients make the most out of their investment journey. Our fee-only, fiduciary approach eliminates conflicts of interest, offering clients straightforward, unbiased advice. Whether you have $250,000 or $20 million to invest, ZWM prioritizes your financial goals and provides the expertise needed to achieve them.
One significant advantage of ZWM's capped fees structure is the transparency and predictability it brings to financial planning expenses. Unlike traditional fee models that tie costs to a percentage of the portfolio, capped fees offer a fixed amount regardless of portfolio size. This ensures that clients are not overcharged for wealth management services that don’t necessarily require more effort with larger portfolios. For instance, managing a $20 million portfolio does not involve 20 times more work than managing a $1 million portfolio, yet traditional models often result in disproportionate fees. At ZWM, our capped fees model allows clients to understand exactly what they will pay, eliminating unexpected costs and making financial planning more straightforward. This fair pricing structure ensures that all clients, irrespective of their portfolio size, receive high-quality services without inflated fees.
Comparing Fees in Real-Life Scenarios
For a $20 million portfolio, traditional models might charge 0.5%, amounting to $100,000 in fees, while a $1 million portfolio might incur $5,000 in fees. This discrepancy raises questions about the fairness of fee structures. At ZWM, we charge a flat $10,000 per year for wealth management services, regardless of whether your portfolio is $2 million or $20 million. This flat fee approach ensures that clients aren't overpaying for services that don't scale with the size of their portfolios. By offering predictable and fair pricing, ZWM stands out in an industry often marked by opaque fee structures and disproportionate charges.
View Our Fee Schedule
Roboadvisors often attract clients with low fees, ranging from 0.15% to 0.25%, but these services can be lacking in personalized attention. Typically, they operate through call centers that may be located outside the United States, leading to long hold times and impersonal interactions. Additionally, roboadvisors rely heavily on automated systems and chat boxes, which may not adequately address complex financial questions. At ZWM, we prioritize individualized service by ensuring experienced professionals handle your inquiries. This means you receive tailored advice that considers your unique financial situation, rather than relying on automated responses. Our approach ensures that clients get the dedicated support they need to navigate intricate financial decisions effectively.
Unlike many financial planning firms that impose a minimum fee of $2,000 to $2,500 for their services, ZWM offers a more flexible and accessible option. Our hourly rate approach means you only pay for the time you need, without any minimum requirement. Whether you have straightforward questions about your 401k investments, are debating between Roth or Pretax options, or need advice on selecting the best pension plan, you can consult with us without incurring high costs. This allows you to gain valuable financial insights without the financial burden often associated with traditional financial planning services. By charging only for the time spent addressing your specific concerns, we make quality financial advice available to everyone, regardless of their financial situation.
At ZWM, we understand that financial planning should be accessible to everyone, regardless of their investment size. Unlike larger firms that often set high minimum investment thresholds, we welcome clients with any asset level. Whether you're just starting to build your portfolio or have accumulated significant wealth, ZWM is here to provide you with expert financial advice.
Our fee-only, fiduciary model ensures you receive objective and unbiased guidance tailored to your specific financial situation. This approach eliminates the need for hefty commissions and hidden charges, making our services straightforward and transparent. By prioritizing your financial well-being, we aim to offer personalized advice that helps you achieve your financial goals.
We recognize that smaller portfolios deserve the same level of attention and expertise as larger ones. That's why we are committed to providing high-quality financial planning and investment management services to all clients. Whether you have questions about investment strategies, retirement planning, or any other financial concerns, our experienced advisors are here to assist you.
At ZWM, we believe that everyone should have access to the financial tools and knowledge needed to succeed. Our dedication to inclusivity ensures that every client, regardless of their financial standing, receives the attention and support they deserve. This commitment to serving a diverse range of clients sets us apart from many traditional firms and underscores our mission to make quality financial advice accessible to all.
At ZWM, we limit the number of client families we serve to ensure each one receives the highest level of personalized attention and care. By focusing on a smaller client base, we can dedicate more time and resources to understanding and addressing each client's unique financial needs and goals. This approach allows us to offer a truly tailored wealth management experience, ensuring that every client's financial plan is as effective and comprehensive as possible. Our commitment to a limited client roster means that you won't be just another number; you'll receive the focused, individualized service that helps you achieve your financial aspirations.
Legally bound to work in your best interest;
CFP(R) Professional and Accredited Investment Fiduciary
For smaller accounts a tiered fee structure is used. Your annual cost will never exceed $10,000 per household
ZWM is registered directly with the State of Washington Department of Financial Institutions. It is not a subset of a larger RIA or brokerage firm
you will directly work with me, Jon Zetlmaier.
Financial Planning, Wealth Management, Insurance, and Estate Planning
