Common Questions

We understand that working with a financial advisor, especially for the first time (or finding a replacement for your current advisor), can be frightening, intimidating, and a hassle. We have listed common questions about our firm.  

How do you add value to the investment process?  

We set portfolio return expectations by taking your Risk Number and combining it with your individual goals. Rather than targeting an average return based upon an index that has nothing to do with you or goals. This allows clients to be more focused on what is important in their life which increases confidence. We also use portfolio stress testing to assess the potential impact of macro-economic scenarios (like events similar to the financial crisis, the tech bubble, or run away inflation) on your portfolio. This testing is always done before you invest your money. By understanding your unique concerns we can better manage your expectations on how the market will affect the value of your investments. These are just a few examples of how we add value and personalize each of our clients' portfolios.

Are you a robo-advisor?  

No, we are a real firm utilizing real technology. We blend technology and a human touch to make portfolio management efficient, macro risk-managed, and transparent. This edge provides our clients with a service model that is simplified, accessible, and helps you feel confident in your future.    

What are your fees?   

We are a fee-based fiduciary practice and have chosen an advisory fee structure that is based on a percentage of assets managed per household. Portfolio management, trade costs, and custody are not included in the advisory fee.  Since we are a fiduciary, we work tirelessly to provide transparency in all of our service options.  We can also provide guidance with non-traditional investment assets such as real estate, liabilities, and business assets. We also provide solutions using life insurance, long term care, and an annuity to solve a unique client problem. We are paid directly from the insurance carrier and fully disclose to the client our compensation for each case placed. We bill monthly in advance for investment management. Financial planning advice and 401(k) allocations are provided at no additional charge. 

Who holds my money? How quickly can I get access to cash if I need it?   

Fidelity Institutional Wealth Services, a Fidelity Investments Company, holds your money. We selected Fidelity because of their strength and willingness to use technology in ways that help our clients. Fidelity is one of the largest Independent US custodians, with over two trillion dollars in global client assets. ePersonal Financial never directly takes custody of client assets, and only you have access to your money.  

We only purchase liquid securities, meaning cash can be available to you within a normal 1 to 3-business day settlement period.    

Where can I see my investments?  

All of your assets and liabilities can be viewed on your eDashboard. Additionally, you can see all your accounts, all in one place, through Fidelity’s online platform via the web, tablet, or phone. Both Fidelity and ePersonal Financial provide periodic electronic statements.

Is my information safe?

Yes, your information is extremely safe. We use multiple advanced security features to protect your data at all times. Your eDashboard is a non-transactional system. All account passwords aren't accessible by anyone except you. We will never share your information with any third parties. Using the latest encryption software and third-party security auditors, or professional hackers, who continually check our security software for vulnerabilities. To date, these professionals have never succeeded in hacking it. 

© 2020 by ePersonal Financial, LLC

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by ePersonal Financial to provide information on a topic that may be of interest. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

ePersonal Financial is a registered investment adviser.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.  Investments involve risk and, unless otherwise stated, are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Eric Flaten is an advisor representative of Sowell Management Services, which does business as ePERSONAL FINANCIAL, LLC. Eric is also the founder of ePERSONAL FINANCIAL, LLC, a separate legal entity. Advisory Services offered through Sowell Management Services, a registered investment advisor. Please be advised that all email sent to or from Sowell Management email systems are subject to archiving, monitoring and/or review as required by the Securities and Exchange Commission (SEC). Please be reminded that this is an unsecured email service and should not be used for sending confidential or sensitive information such as social security number, account number or any other personal or financial information in the content of the email.