Frequently Asked Questions

DWM is a local, full-service wealth management firm. Our experienced team of advisors assists with investment management, comprehensive financial planning, insurance services, tax planning, estate planning guidance, business solutions, and 401(k) rollovers. We work alongside you to design a tailored financial plan, then use our proprietary Summit Investment Process to determine how your assets should be invested, take action, and make adjustments as needed.

Yes. As an independent financial advisor, DWM has unrestricted access to products from any company. Our advisors have the freedom to recommend the products they believe are most suitable for your needs. **The Story Behind Independence:** Co-founders Blair Braden and Zachary Bouck opened DWM specifically to put clients' needs first. At their previous firms, they were constrained to only a handful of proprietary products, creating a conflict of interest. In 2012, they opened DWM as an independent registered investment advisor to eliminate this conflict.

Yes. Most of our work is fee-based, meaning we are compensated as a percentage of your total invested assets. As Investment Advisor Representatives, we have a fiduciary responsibility to advisory clients - meaning we are legally obligated to place your interests above our own when recommending financial strategies.

DWM can professionally manage accounts ranging from as little as $1 to millions. We are committed to helping families and individuals of all asset sizes. Whether you're just beginning your investment journey or approaching retirement, DWM would be happy to work with you.

DWM charges on a tiered-fee basis: • The more assets you have invested, the lower your fees • Most work is fee-based (not commission-based) • Compensation is earned as a percentage of total invested assets • Fees are disclosed in writing upfront This structure aligns DWM's interests with yours - our incentive is always to grow and protect your wealth.

LPL Financial is: • The largest independent broker/dealer in the nation • DWM's custodian for investment accounts • Provider of professional market research • Handler of statements, reporting, and regulatory compliance Your assets are held by LPL Financial (not DWM directly), providing additional security and oversight with FINRA/SIPC protection.

Think of investing like building a house. Step one isn't "grab a hammer and go to work." The first step - and most critical step - is thoroughly designing the home to include your family's necessities. **Financial planning is the design element.** Our advisors sit down with you and your family, discuss your dreams and necessities, and design a plan to address your future. **Comprehensive Financial Planning Includes:** • Monte Carlo Simulation for all investment and cash accounts • Long-term income tax planning • Estate planning strategies • Insurance evaluation (life, disability, long-term care, etc.) • Complex investment strategy consulting (Roth conversions, etc.) • Asset allocation review • Cash flow analysis • Estate planning consultation

The cost varies with the complexity of your financial needs (business interests, real estate ownership, etc.). Contact DWM for a free consultation to discuss your specific situation and receive pricing information.

DWM uses our proprietary Summit Investment Process - a four-step approach: **1. Plan** Your financial plan is the first step. Understanding your goals, timeline, and risk tolerance guides everything else. **2. Identify** Through analytical research (combined with insights from LPL Financial and other leading institutions), advisors identify asset classes they believe will appropriately enhance portfolios. **3. Examine** The team carefully considers metrics for each preferred investment product including cost of management, performance, risk analysis, manager tenure, and more. **4. Implement** Once the appropriate products are selected, portfolios are tested against various scenarios (recession, oil price fluctuations, inflation/deflation) before investing.

Yes. DWM is a Hybrid RIA - we offer broker-dealer services through LPL Financial and advisory services through Denver Wealth Management, Inc. As a dually-registered firm, we can: • Service annuity (insurance) contracts • Handle private placement investments • Manage money for advisory clients in a fiduciary capacity Our advisors are independent insurance agents, meaning they can shop multiple carriers to find the most suitable policies at the lowest costs.

Free consultations are available with no obligation. **Phone:** (303) 261-8015 **Email:** [email protected] **Meeting Options:** • Denver Tech Center office • Steamboat Springs office • Virtual/phone consultation DWM serves clients in 48 states.