Questions & Answers
Sometimes, what financial advisors don’t say is more important than what they do say.
You should not have to ask the right questions to obtain the information you need to select the best financial advisor.
Financial advisors, who have nothing to hide, should volunteer and document key information about their business practices and services.
QQ: How does GlidePath provide institutional-quality services to individual investors?
Our money management service uses glide paths, Target Date Portfolios, low cost exchange traded funds, and global portfolio management principles.
QQ: What is the difference between a Target Date Fund and GlidePath’s Target Date Portfolio?
Target Date Funds are mutual funds that pool assets for investment. Everyone in the funds are invested exactly the same. GlidePath clients have their own portfolios (no pooling) that are tailored to their specific circumstances, requirements, tolerances for risk, and goals.
QQ: What is an investment glide path?
Not to be confused with the name of our firm, a glide path is a time-tested investment process that is used by our Target Date Portfolios to automatically reduce your exposure to investment risk as you approach important dates such as the year you retire.
QQ: What is an Invest-For-100 glide path?
You and/or your spouse may live 35 or more years after you retire. You need an investment strategy that produces financial security late in life for both spouses.
QQ: What is Risk Zone management?
This is an optional GlidePath service that is used to reduce risk for the five years before and after a target date – for example, the year you plan to retire. Major losses (2000-2002 and 2008) in the securities markets at or near your targeted retirement date can damage your standard of living and financial security.
QQ: What financial service is specifically provided by GlidePath Wealth Management?
We are a money management firm. We are responsible for making investment decisions for assets that are invested in GlidePath portfolios.
QQ: Is GlidePath a financial advisor?
No we are not. Financial advisors provide planning and investment advice, but they do not make portfolio investment decisions. That is the role of money managers – for example, GlidePath.
QQ: Does GlidePath have its own financial advisors?
No we do not. This enables us to affiliate with some of the best financial advisors in the country.
QQ: Does Glidepath vet advisors before affiliating with them?
Yes, all of our affiliates have been vetted by Paladin Research. Paladin is the only SEC registered firm that vets the quality of financial advisors.
QQ: What are some of the criteria for financial advisors who are affiliated with GlidePath?
We require a minimum of ten years of experience, registration as an investment advisor (RIA) or investment advisor representative (IAR), financial fiduciary status, and a clean compliance record for at least ten years. We also prefer one or more of the financial service industry’s most recognized certifications (CFA, CIMA, CFP, CPA, AIF).
QQ: When GlidePath is my manager, what firm has physical possession of my assets?
GlidePath does not take physical possession of client assets. The custodian will vary by the financial advisor. It is GlidePath’s policy to work with financial advisors who custody assets with major brand name firms.
QQ: Does GlidePath have a minimum asset requirement for its services?
Yes, your account should hold a minimum of $100,000.
QQ: Does GlidePath have a minimum fee requirement?
Yes, our minimum fee is $1,500 per year if the advisors do not provide planning advice and services. Our minimum fee is $2,000 per year if the advisors provide planning advice and services.
QQ: Does GlidePath’s all-in fee cover planning and investment services?
Yes, one fee covers both services.