A fiduciary is someone entrusted with the responsibility to act in the best interests of another person or entity, legally and ethically, often managing their money or property.

Registered Investment Advisors (RIA) often utilize custodians to physically hold the accounts and money. The only entities that have access to the money are the client and the custodian. The custodian can only access the money at the direction of the client.

Discretionary authority is legal consent given to the RIA by the client in writing. This consent allows the RIA to make trades inside the account, on behalf of the client, consistent with the agreed upon method stated in the advisor agreement.

In order for Immotus Financial to provide the best possible investment management, we do require discretionary authority from our clients. 

Past performance does not guarantee future results. However, the objectives of each portfolio are as such to maximize return and minimize risk. The RIA does not and cannot take responsibility for or predict unknowable future events that can impact the markets positively or negatively. 

Immotus Financial is fee only. There are no hidden fees, start up fees or commissions on trades. The fee paid to Immotus Financial is the only fee charged.

Immotus Financial strives to be transparent with the investing process and fee structure. The fees are straightforward and set at $135 per quarter, charged the first of each quarter and recurring. Clients also have the option to pay for the full year in advance at a discounted rate of $495. The full year pricing will be charged on the first of the month, recurring at one year intervals to the start date. Clients can change their payment structure at any time. 

The fees will be billed quarterly or annually and processed through a third party processor. The client has the ability to save their card information and set up recurring payments. An invoice will be emailed to the client after Immotus Financial has received each payment.

While there can be fees associated with trades and/or ETF management fees, the client does not pay for these separately. Any execution fee or management fee will be paid out of the client account at the time of the transaction. 

No, the fee structure is calculated on a client basis, not an account basis. 

Clients may withdraw funds or close the account with 30 calendar days notice. A request may be submitted for either a withdrawal or closure at any time, at which point the RIA will begin the process of liquidating the account in the most efficient manner available. Liquidating the account does not guarantee profits or losses as the RIA is subject to market fluctuations. 

If clients close their account before the term which was paid for in advance has closed, the fee will be reimbursed at a prorated amount at the conclusion of liquidation and withdrawal. 

No, the client is prohibited from making trades inside a managed account. The reasons for this prohibition are to ensure the RIA has control of account balances, taxable implications and position sizing. If the client wishes to make trades on their own, Immotus Financial recommends opening a separate account designated specifically for themselves to manage.

Clients are able to set up an appointment at any time. The client will need to request an appointment, select an available time and confirm selected appointment time. We conduct appointments in this manner to best provide consultation to the client. When making an appointment, we request a description of the question. We ask this to better prepare for the appointment. 

Immotus Financial is happy to accommodate the clients in either manner. An advisor is capable of meeting with clients in person, by video call or over the phone. It's at the preference of the client.