Frequently Asked Questions

: Kendall Capital can help you manage investments in 401(k), 403(b) and other workplace plans. We incorporate your retirement plan investments into a larger strategy with your other assets. As an independent fee-only firm, Kendall Capital has capabilities to look at the full picture from an investment perspective as part of our financial planning service. Many advisors will not help you with these accounts, but we’ve decided to offer it as a service as part of our commitment to working in your best interest.

: Our household minimum is $500,000 in Assets Under Management – meaning the combined value of accounts which we manage should be over $500,000. This includes taxable accounts, IRAs, Roth IRAs, 529 plans and even your employer-sponsored retirement plans like 401(k)s and 403(b)s. We generally charge 1% on the first $2,000,000 in assets we manage for clients. The fee decreases on assets between $2- and $5,000,000 and continues to decrease from there. This fee is calculated and billed on a quarterly basis.

: Fee-only means that the fee you pay for our financial planning advice, client service and ongoing investment management is our only compensation. We do not receive any form of payment for recommending a particular stock, bond or mutual fund. We also do not sell products to receive commissions. Our fees are easy to understand and printed on every quarterly statement for you to see clearly. The fee is based on the amount of assets you ask us to manage (AUM), and also includes ongoing financial planning advice as your needs evolve. As members of NAPFA (National Association of Personal Financial Advisors), we believe this is the most transparent and objective method available.

Fee-based means that your advisor may charge you a fee based on the assets you ask them to manage (AUM), but they may also receive compensation through their brokerage firms, preferred mutual fund families, and/or insurance companies when recommending an annuity or insurance product.

: No. At Kendall Capital, our CERTIFIED FINANCIAL PLANNER™ professionals have decades of experience providing clients with financial plans and have seen that they are more likely to get put into action with our help. They often include techniques that require investment account access in order to ensure they’re constructed properly. We also know that strategies can become more or less important if there are changes in the tax laws or the clients’ goals have changed.

: No, we do not prepare tax returns or draft legal documents, but we do address potential pitfalls or opportunities around these areas of your life. We also recommend our clients to accountants and estate planning attorneys we trust.

: No. However, we are happy to meet with you Monday – Friday between 9am and 5pm.

: We primarily use Charles Schwab & Co. to hold client assets. However, we work with numerous custodians when it comes to managing the accounts for our clients with employer-sponsored retirement plans. This is a unique advantage of working with a fee-only adviser.

: The process can be as simple as signing a couple of forms, and in most cases, the investments are transferred electronically from one firm to another. If it’s necessary to sell some existing investments before moving them to us, we will go over those details prior to transferring and ensure you’re aware of any tax implications. If there are significant taxable gains, we will take the time to spread the tax burden over several years, especially if it’s to help you diversify from over-weighted investments. We will also take the time to help you understand and update the cost basis of your stocks and mutual funds – something that is too daunting for most people to do on their own.

: Each client is assigned a Relationship Manager and a Portfolio Manager as their main points of contact so you will always have someone to reach out to about financial planning and investment questions. That being said, we often collaborate and draw from the skills and talents of all staff in order to provide the best experience for our clients. Our firm is designed so all our staff can help any client so they never have to worry that they are solely dependent on one point of contact.