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Protection & Privacy
How Are My Assets Protected?
Your assets are held in a separate account, in your name, at an independent, third-party custodian, typically Charles Schwab Institutional or your employer’s retirement plan custodian (i.e. Fidelity, Vanguard, TIAA-CREF, etc.). These accounts are protected by SIPC insurance plus additional coverage through companies such as Lloyd's of London up to limits detailed by each respective custodian. For additional safeguards in place with Schwab, please visit
Do You Have Access to My Money?
We do not hold client funds directly; they are always held with separate and independent custodians. All deposits to client accounts should be sent directly to the custodian, or if processed by our office, must be made payable to the client’s account and NOT “Total Wealth Planning” or owners or advisors of the firm. Because we are operate a commission free environment, we are often able to help clients manage “held away” accounts like a 401k/ 403b plan. In these special circumstances, the SEC deems that we have “custody” and subjects us to special regulations to ensure the security of client funds including surprise annual audits by an independent CPA firm, Flynn & Co.
Do You Carry Professional Liability Insurance?
Yes, we carry Errors and Omissions insurance, Cyber and Data Privacy insurance. Additionally, we have an extensive internal code of ethics to return client accounts to 100% from any mistake originating from our office.
How Is My Privacy Protected?
Your investment philosophy should be grounded in academic research and financial science. Our team will build you an investment portfolio that aims to give you the highest probability of achieving your goals with the least amount of risk.
Figuring out how to recreate your paycheck or developing a spending policy should not be an overwhelming exercise. Our team has the expertise to help with retirement portfolio, tax strategies, distribution planning, social security maximization strategies and more.
We’ll have discovery conversations, gather and organize your data, then craft comprehensive plans to achieve your life and financial goals. As our ongoing commitment, we consistently monitor and tweak your plan to ensure you’re on track and surprises are minimized.
WE'VE BEEN LISTENING
FOR OVER 25 YEARS
Life brings many transitions. Find the right advisor to fit your needs on a fee-only basis, and take the first step in the journey. Total Wealth Planning's team of Certified Financial Planners® guides Cincinnati families and associates through transition.
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4665 Cornell Rd. Suite 160, Cincinnati, OH 45241
How Our Expertise Benefits Clients
Wednesday, February 5, 2020
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