Our Services

Your Total Wealth Management Solution

At WVFA we offer two primary services to our clients, the first is Financial Planning. We start here because we need to assess your financial landscape, goals and objectives. Once we know where you stand in relationship to your goals, we can guide you to the course of action most likely to help you pursue them. We do this through educating you on the options you have available and the pros and cons of those decisions.

The second primary service we provide is Investment Management. We manage a number of unique portfolios with very different objectives. Determining which one or ones are appropriate for you takes a deep understanding of what each is designed to do and the environment we are operating in currently. Our proprietary models have many different investment variables that we weigh and consider to determine the makeup of each. Sharing this with our clients gives them a better understanding of what to expect from each investment style.

* LPL Financial Representatives offer access to Trust Services through the Private Trust Company N.A., an affiliate of LPL Financial.

One-Time Plan

  • Consultation: We can cover everyday spending, debt management, income taxes, education planning, retirement planning, investment management, estate planning, legacy building and charitable giving.
  • Fully customized advice: All plans will receive personalized, detailed reports covering recommendations.
  • Easy-to-understand cost: Have an investment review for $500, a retirement plan for $1,000, or a fully comprehensive plan for $2,000.
  • Via phone, video or in-person

Financial Planning

  • Fully comprehensive planning: We’ll develop, implement and monitor a comprehensive financial plan, along with advising on your investments. We’ll discuss and plan for everyday spending, debt management, income taxes, education planning, retirement planning, investment management, estate planning, legacy building and charitable giving.
  • Access to a financial planner: You’ll be able to contact Ken Ford, AWMA® AIF® (your financial planner) quarterly.
    Online, private portal available: Link your bank and investments accounts to your private portal to view all of your assets, in real-time, in one place. A personal vault for file transfer/storage is also available.
  • Reduced prices available: If Warwick Valley Financial Advisors manages your investment assets over $500,000, we will waive the $2,000 planning fee.

Investment Management

  • Personalized portfolios: Your portfolio will reflect your risk profile and goals you wish to accomplish.
  • Quarterly rebalancing ensures your accounts remain on target
  • Accounts available for individuals, small businesses, foundations and trusts
  • Fees withdrawn from accounts leaving your everyday cash-flow in tact (see fee schedule below)

Comprehensive Wealth Management

  • Fully comprehensive planning: We’ll develop, implement and monitor a comprehensive financial plan, along with managing your investments. We’ll discuss and plan for everyday spending, debt management, income taxes, education planning, retirement planning, investment management, estate planning, legacy building and charitable giving.
  • Unlimited access to your financial planner: You’ll be able to contact Ken Ford, AWMA® AIF® (your financial planner) as much as you desire throughout the year.
  • Online, private portal available: Link your bank and investments accounts to your private portal to view all of your assets, in real-time, in one place. A personal vault for file transfer/storage is also available.
  • Quarterly rebalancing ensures your accounts remain on target
  • One fee: The fee deducted from your account will cover all of your services – no check-writing throughout the year required.

FEE SCHEDULE

What is the difference between fee-only financial advisors and full-commission brokers?
Independent, fee-only financial advisors provide customized advisory services for a flat fee, an hourly rate, or a percentage of the assets being managed. This method of compensation means the advisor gets paid for providing professional advice on reaching your goals, not for an activity in your account. Full-commission brokers, on the other hand charge commissions or sales fees based on trading activity or product sales. Financial plans and investment recommendations from full-commission brokers are often product driven, raising conflict of interest issues which is why 90% of our clients are fee-based.