Frequently Asked Questions

Yes, the financial advisors at FORM Wealth Advisors act as fiduciary during our advisory relationship. As your financial advisor when acting in a fiduciary capacity we have a duty to only recommend investments and other solutions that are aligned with their client’s best interests. Be confident, knowing we have a duty of care and loyalty to consistently deliver honest wealth solutions, in clear terms, to help you live a better life.

We believe if we spend the time to build relationships like no one else will, we can manage wealth like no one else can.

The way we see it, we can’t plan for your future or manage your assets if we don’t know what FORM your life is taking. We want to hear about your Family, your Occupation, what Recreations you pursue or wish to pursue, and most importantly, the Mission in which you aspire to live out your life. Those points are so important, we made FORM the very name of our firm. Furthermore, because we know your assets are just part of your overall wealth equation, we seek to help you live out a better life by serving you not just in the financial aspects of your planning, but further, in coaching you through those big decisions and becoming an advocate for you to live out your goals.

In its simplest terms, we believe the greatest risk to your investment returns in both the short and long-term view is often your emotions. Thus, our greatest value will come not from attempting to outperform any market cycle or index, but rather working alongside you to help prevent your emotions from driving your investment decisions.

To do this, we focus on total return investing by delivering our Total Relationship Investing™ (TR Vest) strategy. With TR Vest, we address your personal short-term needs through carefully planned cash reserves, while allowing our technical research to drive the decisions for your overall portfolio.

When you partner with us, you’re handing over the day-to-day investment responsibility and hiring us to have discretion over your investments. With your portfolio and income strategy in place, we manage the transfer of assets between your investments, cash reserves, and bank accounts according to your unique timeline of day-to-day needs, short-term goals, and long-term priorities.

Yes, our process begins with you filling out the Get To Know You form as a basis for our first conversation. Once we receive your submission, we’ll follow up by setting an initial phone call to help us get acquainted and clarify expectations of what you are looking for in an advisor and how we may be able to help.

From this phone call, if we mutually decide to move forward, the next step is a 90-minute meeting to discuss in depth who you are, where you are, and where you want to be. Through our unique planning exercise, we’ll identify and set priorities to your goals and concerns and identify how we may help. After this meeting, we’ll talk again over the phone within 48 hours to recap our discovery meeting, answer any questions you may have, and discuss if we mutually feel we are a good fit in starting an advisor-client relationship.

At FORM Wealth, you’ll be working with a team of advisory professionals who are experienced, credentialed, and understand that technical expertise means little unless you achieve the goals for which your wealth was built.

Thus, you can expect us to engage in proactive communication to understand how changes in your life may need to change your plan or your investment strategy. One of the ways we'll do that is through scheduled reviews. These touchpoints not only provide a time for updates and answering questions, but also establish a rhythm in continuing to help you navigate the various planning points and transitions in your life.

In addition to our expertise in financial planning and wealth management, we also offer social engagements, document shredding, educational webinars, a travel club, charitable programs, and more.

There’s harmony in a team and that’s why our Total Relationship Investing™ (TR Vest) is managed by a committee of experienced professionals with different backgrounds, degrees, and certifications – all with a desire to combine ideas and thoughts to best lead your planning and direct your investment portfolios.

• The CERTIFIED FINANCIAL PLANNER™ Certification

  Luke Kuchenberg and Tyson Ray hold the CFP® designation. The CERTIFIED FINANCIAL PLANNER™ certification is the standard of excellence in financial planning. CFP® professionals meet rigorous education, training and ethical standards that help them serve their clients' best interests today and prepare them for a more secure tomorrow.

• The Certified Investment Management Analyst ® (CIMA®) Certification

  Tyson Ray holds the CIMA® designation, which is administered by the Investments & Wealth Institute and taught in conjunction with the Yale School of Management. Certified Investment Management Analyst® (CIMA®) certification is the peak international, technical portfolio theory and construction certification for wealth management professionals. CIMA® certification continues to be one of the highest level of advanced investment education for client-facing advisors.

• The Certified Private Wealth Advisor® (CPWA®) Certification

  Luke Kuchenberg holds the CPWA® designation, which is also administered by the Investments & Wealth Institute and taught in conjunction with the University of Chicago Booth School of Business. This certification complements our investment expertise with a high degree of advanced planning knowledge and provides our clients with a holistic and multidisciplinary approach throughout the life cycle of their wealth.

• The Certified Exit Planner (CExP®) Certification

  Tyson Ray holds the CExP® designation, which is recognized by Business Enterprise Institute, Inc (BEI). This certification qualifies Tyson to assist business owners with the planning and deploying of an exit strategy as they prepare to sell or otherwise leave their businesses.

We're an independent firm and use Raymond James Financial Services to serve as the custodian of our client assets and the back office that processes all investment transactions, generates comprehensive account statements, and provides convenient online (desktop and mobile) access to our clients' accounts.

We're unique in the fact that many of us are CFP® professionals helping plan your life, and are also wealth managers who have discretionary authority to manage the money. We do it all for you so that you don't have extra layers of costs and fees.

Our fee-based compensation model directly ties us to the growth and success of your portfolio, not to the sale of products or the cost of investment outsourcing. Fees are deducted quarterly in advance and are based on the aggregated total value of your household's advisory account(s). As part of our discovery meeting, we'll discuss our tiered fee schedule so you know in advance how we are compensated before we ever decide to work together.

Absolutely! Our team serves clients and their families both locally and across the country. You don't have to live near one of our offices for us to work together. We continue to utilize the latest technology to securely deliver both financial planning and investment management services.