Clarity Builds Confidence
Whether you’re exploring our services for the first time or you’ve been a client for years, you deserve clear, straightforward answers. This page is here to help you feel informed and confident at every step. Don’t see your question here? We’re just a call or click away.
Working With Us
Q: What makes Denver PWM different from other firms?
A: We focus on relationships, not transactions. Our personalized, fiduciary-first approach means your plan is custom-built, transparent, and designed for the long haul.
Q: Who do you typically work with?
A: We serve high-income professionals, retirees, business owners, and multi-generational families, typically with $500k+ in investable assets.
Q: Do I need to be in Denver to work with you?
A: Not at all. While we love serving our local community, we work with clients across the U.S. via virtual meetings, digital planning tools, and secure online access.
Investments & Portfolios
Q: Will my portfolio be customized?
A: Yes. Every client portfolio is tailored to your risk tolerance, goals, and time horizon. No cookie-cutter models here.
Q: How often is my portfolio reviewed?
A: We monitor accounts continuously and formally review performance with you at least quarterly or anytime your needs change.
Q: Do you offer socially responsible investing (SRI or ESG)?
A: Yes. We can integrate values-based investing options into your strategy upon request.
Financial Planning
Q: What’s included in a financial plan?
A: We cover retirement projections, tax planning, education funding, insurance needs, cash flow, estate strategy, and more, based on your goals.
Q: How long does it take to complete a financial plan?
A: Most clients receive a complete plan within 4–6 weeks, including review meetings, strategy development, and refinement.
Fees & Fiduciary Standards
Q: Are you a fiduciary?
A: Yes. As a Registered Investment Advisor (RIA), we are legally and ethically obligated to act in your best interest, always.
Q: How are you compensated?
A: We operate on a transparent, fee-based model. You’ll never be sold a product or charged hidden commissions.
Q: Do you offer flat-fee planning?
A: In some cases, yes—for clients seeking standalone financial planning without investment management.
Technology & Access
Q: How do I access my accounts?
A: You’ll use the Schwab platform to access your investment accounts and Tamarac for real-time portfolio reporting.
Q: Is there a client portal?
A: Yes. Tamarac provides a secure, personalized portal with 24/7 access to your portfolio, performance, and plan tracking.
Q: Do you offer mobile access?
A: Absolutely. Both Schwab and Tamarac have mobile apps to manage your accounts on the go.
Security & Custody
Q: Where are my assets held?
A: Your assets are securely held in your name at Charles Schwab, our independent third-party custodian.
Q: How secure is my information?
A: We implement bank-level security and two-factor authentication via Schwab and Tamarac. Your data is encrypted and protected at every touchpoint.
Q: Can you access or withdraw my funds?
A: No. We can manage your portfolio but cannot move or access funds without your explicit authorization.
Graham Ditus
Tim Kulick, CPA®
Drew Kelleher, CFP®
