ROBERT HOROWITZ WEALTH MANAGEMENT
Robert Horowitz, Founder: MBA, Finance and Marketing, Columbia Business School, New York. B.A. in Political Philosophy, Trinity College, Connecticut.
Robert Horowitz, Founder: NAPFA-Registered Financial Advisor, www.napfa.org. An elite group of less than 1,000 fee-based financial advisors. Membership requires a signed Oath of Fiduciary Duty to clients, and participation in a strenuous continuing education requirement.
CFA – Chartered Financial Analyst, www.cfainstitute.org. Chartered Financial Analysts must pass a series of three rigorous examinations taken in sequential levels over several years.
A copy of our Form ADV, Part 2 is available for download here.
Member, Financial Planning Association – Members must adhere to a code of ethics that demands honesty, objectivity, competence and confidentiality. Robert is also a board member emeritus of the FPA of San Francisco. www.fpanet.org
Founder Robert Horowitz has been offering financial planning services for more than 15 years.
Yes.
Yes.
No.
This web site is the best reflection of our financial experience. A formal resume is available upon request.
50-60, generally.
No.
Robert Horowitz will work directly with you.
Yes.
The advisor shall exercise his/her best efforts to act in good faith and in the best interests of the client. The advisor shall provide written disclosure to the client prior to the engagement of the advisor, and thereafter throughout the term of the engagement, of any conflicts of interest which will or reasonably may compromise the impartiality or independence of the advisor.
The advisor, or any party in which the advisor has a financial interest, does not receive any compensation or other remuneration that is contingent on any client’s purchase or sale of a financial product. The advisor does not receive a fee or other compensation from another party based on the referral of a client or the client’s business.
Yes. A copy of our BCP is available on request.
No. We do not receive any commissions whatsoever
Fee-Only.
In general fees are:
1% on 1st $1,000,000
0.75% on next $1,000,000
0.5% on amounts over $2,000,000
Yes.
Yes. Normally the minimum fee is $8,000 annually
No.
No.
No.
Financial planners provide a range of services. It is important to match client needs with services provided.
We offer the following financial advice:
Goal setting Cash management & budgeting Tax planning Investment review & planning Estate planning Insurance needs in the area of life, disability, long-term care, health and property/casualty Education funding Retirement planning
Important Note: Robert Horowitz Wealth Management does not do taxes nor provide specific tax, insurance or estate planning advice. We refer clients to qualified professionals for specific advice in these areas. Consult your legal or tax professional.
Yes.
Yes.
Yes.
Yes.
No. However, fees are generally deducted directly from account pursuant to our agreement.
Yes.
As often as appropriate. Some clients like to meet quarterly while others prefer to communicate by phone and email and not meet face to face more than once a year. It really depends on what works best for you.