Frequently Asked Questions
General FAQs About Mission Wealth
Better outcomes begin with better relationships. We listen before we talk, seeking to understand the unique path you’ve walked and the legacy you intend to leave.
Financial decisions are complex because they involve emotions and values, not just numbers. By integrating behavioral finance into our core planning process, we help you navigate the human side of wealth. From retirement to the sale of a business, we provide the steady guidance and continuity required to turn today’s transitions into tomorrow’s peace of mind.
Frequently Asked Investment Questions
A deeper dive into the investment practices we employ at Mission Wealth.
Frequently Asked Questions for Women Investors
At Mission Wealth, we understand that choosing a financial advisor is a profoundly personal decision, especially during transition or change. Below are some of the most common questions asked when exploring a relationship with our firm.
Frequently Asked Questions About MissionForward
Learn the answers to your questions and the next steps in your financial journey.
Let’s align your wealth with your purpose.
Request an introductionYes, 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 interests of our clients.
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 a cash basis unless indicated otherwise in writing. Fees are negotiable and will be deducted from client account(s).
In most cases (outside of MissionForward), the total minimum fee is $10,000, payable quarterly, in arrears, at the end of each quarter. MWM may have legacy agreements in place via mergers with other firms with different fee and service schedules.
No – we are privately owned and operate as a single, integrated firm across offices nationwide.
Non-discretionary management means the client must 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 that after setting agreed-upon parameters, we can efficiently rebalance and manage your portfolio in a timely manner.
No – only client-authorized and custodian-approved transactions are allowed.
Mission Wealth’s investment minimum is $1 million for comprehensive wealth management services.
Yes – our MissionForward digital platform is designed for tech-savvy professionals, has no AUM minimum, and typically uses a monthly subscription model.
At Mission Wealth, protecting client data is a top priority. We use enterprise-grade firewalls, encryption, and 24/7 security monitoring to safeguard all systems. Access to sensitive information requires Single Sign-On (SSO) and/or multi-factor authentication (MFA) and can only be made from secure, Mission Wealth-issued devices.
All files and communications are encrypted in transit and at rest, and incoming and outgoing emails are scanned for threats. Our IT service provider and Security Operations Center continuously monitor and respond to potential risks.
Access to client data is limited to authorized team members who support each advisor relationship, and all employees complete ongoing cybersecurity and phishing training.
We also maintain strict operational safeguards – including daily account reconciliations, review of deposits and withdrawals, and verified client authorization for all fund movements – to protect both client information and assets.
Our goal is simple: to provide the highest level of security so clients can have complete confidence that their information and accounts are always protected.
No. Your investments are ALWAYS held in your specific account, under your name (or the name of your trust or entity) and your tax ID number. Your money is separate and distinct to you.
Mission Wealth custodies client assets with Fidelity and Schwab.
See “How Your Assets Are Protected” at Schwab and Fidelity’s “Safeguarding Your Accounts”.
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.
Yes, our conversations are confidential. We adhere to industry and professional ethics standards. However, court orders may compel disclosure. Read more in our Mission Wealth Privacy Policy.
Yes – must be authorized via signed paperwork and set up with the custodian.
Yes, our clients often set up scheduled monthly distributions to their linked bank account.
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).
We require phone verification for any personal information requests. Your account will be temporarily locked if an address change is detected.
Your assets are held with custodians Charles Schwab or Fidelity—we do not hold your funds.
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.
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.
Portfolio rebalancing involves adjusting your investment mix to maintain your intended level of risk and return.
At Mission Wealth, we use systematic rebalancing to capitalize on opportunities, mitigate risk, and keep your portfolio aligned with your goals.
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.
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.
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.
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.
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 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, efficient trading to help our clients achieve higher net-of-fee returns.
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.
That’s one of our specialties. We explain the “why” behind each decision, empowering you to invest with intention, not fear.
Never. We move at your pace and help you explore your options through education, not pressure.
We take a life-centered approach. From long-term planning to daily decisions, everything is tailored to your values, priorities, and family dynamics.
Whether organizing accounts, planning for the future, or navigating change, we’ll help you gain confidence with every step.
Every plan our advisors at Mission Wealth create is completely tailored to you. There are no templates, just thoughtful, customized guidance.
We aim to explain things clearly, using visual tools to ensure you feel informed and in control.
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.
Whether you’re facing widowhood, divorce, retirement, or inheritance, we specialize in guiding women through transition with clarity, compassion, and structure.
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.
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.
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.
- 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 have direct access to a CFP® professional who gets to know your full picture, not an algorithm or call center.
Fill out our contact form to schedule a complimentary 30-minute introductory meeting with a MissionForward Wealth Advisor. If you think MissionForward is a good fit, your advisor will send you the next steps to get enrolled!
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.