Frequently Asked Questions
What You Should Know:
Are you a Fiduciary?
Yes!
It's my commitment, ethically (and legally!) to always act in your best interest.
What does "fee-only" really mean?
Fee-only means you pay directly for services—no hidden commissions or kickbacks.
Other firms are often incentivized, monetarily, to recommend certain, higher cost, investments to clients.
With GWM, you know the advice you get is 100% focused on what’s best for you, not influenced by outside incentives.
How are you paid?
Our fees are straightforward and based on the services you need.
Whether it’s a percentage of assets we manage for you or a flat fee for financial planning, everything is transparent and discussed upfront.
No surprises
What's the difference between fee-only and commision-based advisors?
A commission-based advisor earns money by certain selling financial products, like insurance or mutual funds.
This can create conflicts of interest.
As a fee-only firm, GWM isn’t paid by anyone but you, so our entire focus is helping you achieve your financial goals
Do I need to have a lot of money to be able to work with you?
Not at all! We work with individuals and families at all stages of wealth-building.
Whether you’re just starting out or managing a complex portfolio, we’ll create a plan that’s right for you.
How do you help me manage my investments?
We start by understanding your goals and preferences.
Then, we build a custom investment plan and actively manage your portfolio, keeping you up to date along the way with regular communication .
You’ll always know you're on track to your goals.
What services do you offer besides investment management?
In addition to managing your investments, we offer comprehensive financial planning, retirement strategies, tax advice, and more.
Our goal is to be your go-to resource for all things financial, from today’s questions to tomorrow’s big plans.
How do I know if your services are right for me?
We offer a free initial consultation where we can chat about your goals and see if we’re a good fit
There’s no pressure—Simply an opportunity to understand your what's important to you
Expert Planning and Management
Pricing
1.00% | First $3 million
0.75% | Next $2 million
0.50% | Next $10 million
0.25% | $15 million and above
Paid Quarterly
The annual advisory fee is paid quarterly in arrears based on the average daily balance of the Client’s account(s).
Prorated
Our advisory fee is prorated for any partial billing periods occurring during the engagement, including the initial and terminating billing periods.
Example Fee Schedule
The advisory fee is a blended tier. For example, for assets under management of $4,000,000, a Client would pay 1.00% on the first $3,000,000 and 0.75% on the remaining balance. The formula for the quarterly fee is determined by the following calculation: (($3,000,000 x 1.00%) + ($1,000,000 x 0.75%) ÷ 4) = $9,375.
Aggregated Households
In determining the advisory fee, we may allow accounts of members of the same household to be aggregated. GWM relies on the valuation as provided by Client’s custodian in determining assets under management.
Outside Managers
If GWM utilizes an Outside Manager, the above fee schedule does not include the Outside Manager’s fee. The Outside Manager’s advisory fees, billing schedule, and payment procedures are set forth in their separate written disclosure documents, advisory agreements, and/or the account opening documents of your account Custodian. At no point will the combined fee charged to the Client exceed 2% of assets under management.
Partnering Together
Let’s Get Acquainted
What’s important to you, where you are and where you want to go.
A Personalized Plan
A tailored financial strategy that aligns with your unique goals.
Expertly Implemented
Investment and Tax Strategies with ongoing management to stay on track.
Connect with Grinstead Wealth Management
Your Investment Management & Financial Planning Solution
Are you interested in learning more about how our elevated client experience can help you pursue your goals? We'd love to have a conversation! Please Provide your contact information so we can schedule a time to talk.
All information contained is for educational purposes only and is not tax, legal, or investment advice. Please consult with qualified tax and legal professionals regarding your specific situation. Grinstead Wealth Management (GWM) is a registered investment adviser offering advisory services in the state of New Mexico and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The information on this website is for informational purposes only and does not constitute personalized investment, tax, or legal advice. Past performance is not indicative of future results.
Serving Albuquerque families and retirees with trusted financial planning and investment advice. Grinstead Wealth Management provides clarity through fee-only, relationship-based guidance.
Justin Grinstead is a fiduciary, fee-only advisor registered with the SEC.View Justin’s IAPD report here.
Justin Grinstead is a fiduciary, Fee-Only financial advisor based in Albuquerque, NM, serving families and professionals with holistic financial planning, retirement guidance, tax strategy, and education planning.
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