Frequently Asked Questions
- What is your minimum relationship size?
- We typically engage new private clients with $2 million or more in investable assets and institutional mandates starting at $25 million.
- How are fees structured?
- We charge an annual advisory fee based on assets under management, billed quarterly in arrears. No commissions or hidden product charges.
- How often will I meet with my advisory team?
- Formal reviews occur at least quarterly, with additional meetings around major life events, liquidity events, or market developments.
- What technology supports the client experience?
- Secure portal access with multi-factor authentication provides real-time dashboards, document vault, and encrypted messaging.
Glossary of Key Financial Terms
- Asset Allocation
- The process of distributing investments among asset classes to balance risk and reward.
- Capital Preservation
- An investment objective focused on protecting principal while achieving modest growth.
- Fiduciary Duty
- A legal obligation to act in a client’s best interests with loyalty and care.
- Monte Carlo Simulation
- A statistical technique used to model the probability of different outcomes in a financial plan.
- Sharpe Ratio
- A measure of risk-adjusted return calculated by dividing excess return by portfolio volatility.
- Tactical Allocation
- Short-term adjustments to a strategic portfolio to capitalize on market opportunities or manage risk.
New Client Onboarding Checklist
- Initial discovery meeting to align on goals, priorities, and service expectations.
- Secure document upload: investment statements, estate documents, tax returns, insurance policies.
- Risk tolerance and cash flow modeling assessment conducted by advisory team.
- Draft and review customized investment policy statement.
- Transition assets with dedicated onboarding specialist overseeing ACATs and cost-basis reconciliation.
- Launch planning cadence with quarterly review schedule and portal orientation.
Client Portal Overview
Active clients receive same-day access to the Apple Ridge Client Portal featuring customizable dashboards, performance reports, and secure messaging. Support is available via our Client Service Desk at 303-555-0148, Monday through Friday from 7:00 a.m. to 6:00 p.m. Mountain Time.