On-going relationships are designed for those who want a more structured relationship over an extended time period and/or desire investment management services. On-going clients have access to a personal financial website with net worth, detailed financial information, spending reports and secure on-line document storage. Basic financial planning services are included at all levels. Clients have access to institutional priced mutual funds and benefit from our on-going research and evaluation of different/"new" investment strategies/ products. Additionally, clients have support available from an advisor with a Certified Financial Planner® designation for financial questions and concerns.

Fundamental - Assets up to $250,000

This level is for clients who are new to financial planning and/or investing and want an on-going relationship with a financial advisor. Investment options are limited and there is no coordination with funds not managed by WWA. Fees are based on Gross Annual Household Income. There is no additional fee for asset management services for asset levels up to $150,000. Access to standardized model portfolios.

Includes Asset Management up to $150,000



Full-Time Students (including Graduate)



Up to $89,999






$150,000 and above



Additional Monthly fee for Asset Management of



Assets between $150,000 - $199,999



Assets between $200,000 - $249,999



Traditional – Assets above $250,000

Stock picking and market timing are speculative. Asset allocation, diversification of risk, reduced costs and staying the course – that is investing. Our investment philosophy is based on a combination of market and behavioral research. The foundation of our investment philosophy is the time-tested Nobel prize-winning Modern Portfolio Theory (MPT) valued highly by academic and investment professionals. Although there is no guarantee that a diversified portfolio will enhance overall returns, outperform a non-diversified portfolio or ensure against market risk, MPT proves that intelligent diversification and ongoing rebalancing of investments may minimize risk and potentially optimize portfolio performance. Using MPT, we will regularly analyze your asset allocation and rebalance your investments as the ever-changing and volatile markets demand.

Our clients benefit from our individualized investment management approach. Each portfolio is created to take advantage of:

  • Proper asset allocation - Determining a deliberate exposure to the various asset classes to meet your financial objectives
  • Proper asset location – Different types of accounts receive different tax treatments and
  • Cost management - The more you can reduce costs, the more return you keep
  • Tax management - Lower turnover, careful harvesting of gains and losses, and intelligent withdrawal planning to reduce the negative drag of taxes on your returns
  • Regular Rebalancing – buying and selling portions of your portfolio in order to set the weight of each asset class back to its original state.

Academic studies suggest that such rebalancing can add up to 1% or more to a portfolio’s expected return. The institutional funds and exchange-traded funds we employ are selected for their disciplined adherence to asset class exposure as well as for their extremely low turnover and expense ratios.

Beating one index or another is not the true measure of success. Being able to retire comfortably, affording the college of choice, or being able to sleep during protracted market downturns are more meaningful barometers of successful investment planning. 

Additional service levels are determined by income, amount of assets managed, number of accounts, Life Cycle Phase, degree of integration with non-managed accounts, investment strategy and level of engagement with advisors. See comparison chart for services included with each level. If additional concierge services are requested, clients will receive a discounted hourly rate of $180.

Traditional Service Levels and Typical Asset Range

Annual %

Annual Minimum

Annual Maximum

Limited - Assets between $250,000 - $499,999




Advanced - Assets between $500,000 - $799,999




Extended - Assets Over $800,000