Frequently Asked Questions

A customized portfolio is built around your unique goals, time horizon, risk tolerance, tax situation, and personal values. Unlike generic investment models, a tailored approach helps ensure that every element of your portfolio aligns with your broader financial plan.

At Mission Wealth, we take a personalized approach to portfolio construction—designing strategies that reflect your specific circumstances and long-term objectives, while providing flexibility to adapt as your life evolves.

Socially Responsible Investing (SRI), ESG (Environmental, Social, and Governance), and Impact Investing incorporate both financial goals and personal values.

Mission Wealth’s Social Values Portfolio supports your financial objectives while aligning with causes and sustainability values that matter to you.

Asset allocation is the strategic mix of asset classes – stocks, bonds, cash, real estate – to meet your goals and risk tolerance.

At Mission Wealth, we tailor each portfolio’s asset allocation to your financial plan to help drive long-term consistency and success.

Tax-loss harvesting means selling investments at a loss to offset capital gains and reduce your tax bill.

At Mission Wealth, we proactively look for harvesting opportunities within taxable accounts to enhance after-tax performance.

Portfolio rebalancing involves adjusting your investment mix to maintain your intended level of risk and return.

At Mission Wealth, we employ systematic rebalancing to capitalize on opportunities, mitigate risk, and maintain your portfolio’s alignment with your goals.

Asset location focuses on placing the right investments in the right types of accounts (taxable, tax-deferred, etc.) to reduce tax drag.

At Mission Wealth, we incorporate asset location strategies to help maximize our clients’ after-tax returns, tailored to their individual circumstances.

Investment discipline involves focusing on long-term fundamentals, maintaining full investment, and following a systematic approach to rebalancing.

Emotions can derail long-term success. Investment discipline means adhering to a strategy, rebalancing regularly, and disregarding short-term noise (market fluctuations).

At Mission Wealth, we believe that investment discipline is essential to achieving financial success and helps our clients stay on track toward their goals.

Investment costs are important to consider as your investment returns compound over time. Small fees can snowball and potentially reduce your long-term growth. That’s why it’s essential to keep costs low.

At Mission Wealth, we focus on low-cost investments and efficient trading to help our clients achieve higher net-of-fee returns.

Markets can be unpredictable. A diversified multi-strategy portfolio – one that includes both active and passive strategies – can help reduce risk and potentially enhance investment returns over time.

At Mission Wealth, we thoughtfully apply multiple investment strategies across various asset classes to build resilient portfolios that withstand the market’s ebbs and flows.

Investing always involves risk, and while different investments carry varying levels of volatility and potential returns, no single investment guarantees success every year. Global diversification adds additional ways to mitigate risk and improve long-term outcomes.

At Mission Wealth, we believe a globally diverse portfolio is a critical component of portfolio management and vital to the success of any financial plan.

Yes. Many of our clients are leaders in their fields. We offer strategic advice to support both personal and professional financial goals.

We aim to explain things clearly, using visual tools to ensure you feel informed and in control.

That’s one of our specialties. We explain the “why” behind each decision, empowering you to invest with intention, not fear.

Yes. Our retirement plans include thoughtful strategies for long-term care, medical expenses, and maintaining a high quality of life in your post-career years.

Never. We move at your pace and help you explore your options through education, not pressure.

Whether you’re facing widowhood, divorce, retirement, or inheritance, we specialize in guiding women through transition with clarity, compassion, and structure.

We take a life-centered approach. From long-term planning to daily decisions, everything is tailored to your values, priorities, and family dynamics.

Absolutely. We begin every relationship by listening. Your story, goals, and values are the foundation of your financial plan, not a script we apply to everyone.

Whether organizing accounts, planning for the future, or navigating change, we’ll help you gain confidence with every step.

Yes. We have a strong team of experienced female advisors. We’ll make that connection if you feel more comfortable speaking with a woman advisor.

Every plan our advisors at Mission Wealth create is completely tailored to you. There are no templates, just thoughtful, customized guidance.

We blend expert financial strategy with deep empathy. We don’t just manage wealth; we help women navigate transitions and growth with confidence and care.

No. If you are a current Mission Wealth client, this app is not for you. Please visit our Client Login page for your app information.

1. Download the app via the App Store (https://apps.apple.com/us/app/missionforward/id6476103713) or Google Play (https://play.google.com/store/apps/details?id=com.fynancialapp.missionwealth&hl=en_US).
2. Fill out the form below to schedule a complimentary 15-minute introductory meeting with your Wealth Advisor.
3. If you think MissionForward is a good fit, your advisor will send you the next steps to get enrolled!

– Under $500,000 in assets under management: $425/month
– Over $500,000 in assets under management: 1% AUM-based fee (current Mission Wealth fee schedule).

No, you can still take advantage of MissionForward’s financial planning capabilities even if you don’t have many liquid assets for us to manage. If you do have any assets, you can access Mission Wealth’s professionally managed portfolios.

No. You have direct access to a CFP® professional who gets to know your full picture, not an algorithm or call center.

Yes – our MissionForward mobile app is designed for tech‑savvy professionals, has no AUM minimum, and uses a monthly subscription model.

Assets are not part of custodians’ balance sheets—In the unlikely event they were to go out of business, you could transfer your accounts to another institution.

See “How Your Assets are Protected at Schwab” and Fidelity’s “Safeguarding Your Accounts”

Yes. There are a number of quality checks they perform themselves. From time to time, they also require third parties to conduct audits.

Your assets remain with the custodian. Although we have disaster recovery and backup systems in place, you can assign a new advisor at any time.

Non-discretionary management means that the client needs to approve the timing, amount, and pricing of each trade.

Discretionary trading allows your advisor to make transactions on your behalf without your approval for each transaction. We operate on a discretionary basis, which means after setting agreed-upon parameters, we can efficiently rebalance and manage your portfolio in a timely manner.

Yes, our conversations are confidential. We adhere to industry and professional ethics standards.

Mission Wealth Privacy Policy (LINK)

However, court orders may compel disclosure.

No – we are privately owned and operate as a single, integrated firm across offices nationwide.

Yes – must be authorized via signed paperwork and set up with the custodian.

No – only client-authorized and custodian-approved transactions are allowed.

Yes, our clients often set up scheduled monthly distributions to their linked bank account.

Service charges are calculated on the gross fair market value of the assets (excluding Margin unless Margin is used to purchase additional securities) in the Client’s advisory account(s) at quarter end. Annualized fees are billed on a pro-rata basis quarterly in arrears based on the value of the account(s) on the last day of the previous quarter. Adjustments will be made for deposits and withdrawals during the quarter. Our firm bills on cash unless indicated otherwise in writing. Fees are negotiable and will be deducted from client account(s).

In most cases, the total minimum fee is $10,000. It is payable quarterly, in arrears, at the end of each quarter. MWM’s maximum annual cumulative Investment Management fee is 1.50%. MWM may have legacy agreements in place via mergers with other firms with different fee and service schedules.

All wire/distribution requests require phone verification and signed authorization.

Any distribution requests to addresses or non-linked accounts cannot be processed without your signature on new paperwork authorizing such a distribution (per Schwab and Fidelity rules, they will not act on instructions from our office without your signature).

At Mission Wealth, we take security very seriously. Our clients gain peace of mind in knowing that we work to safeguard any sensitive information and data against potential malicious cyberattacks. Considering this, we protect client data in numerous different ways. Here are a few examples:

– Data and machines are encrypted.
– Our systems are monitored 24/7, with malware and virus protections that scrub all incoming and outgoing communication, both in hardware and software forms.
We require multi-factor authentication (MFA) to access our system as an additional layer of security. Additional security measures are in place to ensure that client data can only be accessed with prior authorization.
– Our Customer Relationship Management (CRM) system requires an additional MFA step.
– Our custodians also have their security systems. We add an extra layer of security by limiting certain custodian functions to individuals who have MFA codes specific to those systems as well.
– Our passwords are held in an encrypted electronic vault. And those are obsolete without the MFA codes, which change every 30-45 seconds, and then access to the MFA is protected by biometric security measures.
– The client portal we use is also encrypted and requires two-factor authentication for clients to access.

In summary, we do not take this lightly and have implemented multiple layers of protection with ever-changing codes.

We have also purchased cyber insurance as an additional protection measure.

We require phone verification for any personal information requests. Your account will be temporarily locked if an address change is detected.

No. Your investments are ALWAYS held in your specific account, under your name (or trust or entity of your direction) and your tax ID number. Your money is separate and distinct to you.

No. Your money is always held with the custodian (Schwab or Fidelity). We are granted limited rights, such as trading, disbursement to your address of record, and limited withdrawal rights, which only pertain to our agreed-upon fees.

No—we maintain strong relationships with both well-known brokerage firms to give clients a choice.

Your assets are held with custodians Charles Schwab or Fidelity—we do not hold your funds.

Yes, Mission Wealth has been a fiduciary since our founding in 2000. We do not sell any products and have a legal and ethical responsibility to act in the best interest of our clients.

Mission Wealth’s investment minimum is $1 million for comprehensive wealth management services.