Investment Management

You've worked hard to build wealth. The professionals at The Wiser Financial Group employ sensible strategies to manage your assets and help maximize growth opportunities.

Our investment management services consist of both fee-based asset management services and commission-based investment products. Our commission-based programs have no fixed-fee and commissions are paid based on your account's activity and the amount you decide to invest.

If you prefer a negotiated fee-based system, we offer several different platforms to choose from including the following:

The Capital Account Program

The Capital Account is an investment program that provides client asset management in a single brokerage account for an asset-based fee. In the Capital Account, the advisor you are working with serves as the portfolio manager responsible for developing, managing, and re-balancing the client portfolios. The platform provides quarterly reporting, fee debiting and account statements. The negotiated fee does not include the transaction costs that are associated with the purchase and sale of securities in the account. The minimum account size to qualify for this platform is $25,000.

The Sterling Program

The Sterling Program is for clients seeking an account that provides an all inclusive asset-based fee. The Sterling Program works in very much the same manner as the Capital Account except that the transaction charges and account custody fees are wrapped into the negotiated asset-based fee. The minimum account size to qualify for this platform is $50,000.

The TFA Elite Program

The TFA Elite Program is an all-fee-inclusive professional portfolio management program that provides access to independent Institutional portfolio managers. The Elite program is suitable for both individual and institutional investors. The Elite program utilizes an extensive customer suitability determination process that helps the client determine the most appropriate asset allocation and investment style. Clients receive a quarterly report that contains comprehensive account reporting and in-depth performance analysis. There is a $100,000 account minimum for most portfolio managers.

The Advantage Program Separately Managed Account(SMA)

The SMA is a separate account management program featuring nationally ranked managers and state-of-the art technology. This "hands-on"
program equips advisors with the ability to analyze portfolios and managers to develop customized investment strategies for clients. The client completes an online questionaire with the results being used to determine the client's investment objectives, risk profile, and optimal asset allocation. A portfolio or a combination of portfolios is selected that meet the client's investment profile. Clients receive quarterly reports in addition to being able to access a range of detailed performance reports online, which are updated daily.

Advantage Program's lineup of money managers consists of both undiscovered managers who have demonstrated sustained excellence in their business, as well as large, well-established managers who have historically managed assets on an institutional level. SMA accounts are an investment portfolio directed by a professional money manager. Two key features make managed accounts different and potentially attractive to investors: customizable and privately managed. Minimum account size varies by money managers (typically $100,000).

The Advantage Program - Mutual Fund Wrap

This program provides professionally managed mutual fund portfolios. The portfolios are actively managed on an ongoing basis, and are based on a client's investment objectives and risk tolerance. The client completes an online questionaire with the results being used to determine the client's investment objectives, risk profile and optimal asset allocation. Clients receive quarterly reports in addition to being able to access a range of detailed performance reports online, which are updated daily. Minimum account size is $50,000.