Disclosures & Important Information
Disclosures can sound like a lot of mumbo jumbo, so here are some answers In plain English…
OUR ADVISORY PRACTICE
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A: On the investment advisory side, Inbundance is compensated through a transparent, fee-based model, not commissions.
Separately, IM-NW (an affiliate of Avenue Insurance, LLC) handles
insurance services, where agents earn commissions from insurance
carriers. The two sides of the business are distinct. -
We charge an annual advisory fee of 1.00% of assets under management for accounts up to $4 million, and 0.50% for accounts above $4 million. These fees are negotiable and are billed quarterly in advance.
Our co-adviser, Matson Money, Inc., does not charge a separate advisory fee; they are compensated solely through the fund expense ratio (~0.49%). There are no hidden commissions or up-front charges on the investment side.
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A: Yes. Inbundance is a registered investment adviser with a fiduciary duty to every client. That means we are legally and ethically required to put your interests ahead of our own…always. This is a higher standard than the "suitability" standard that applies to many brokers and insurance agents.
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A: We believe in investing, not speculating and gambling. Our approach is grounded in academic research (Modern Portfolio Theory, Efficient Market Hypothesis, and the Fama-French Five Factor Model). In plain terms, we don't try to time the market or pick "hot" stocks. We build diversified portfolios designed to capture long-term market returns while managing risk based on your goals, time horizon, and comfort level.
Read more on our philosophy here
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A: No. Inbundance manages accounts on a non-discretionary basis. We
always contact you before making any changes. You approve or decline
every recommendation. -
A: No. No criminal, administrative, or regulatory proceedings to report.Verify independently at FINRA BrokerCheck or SEC IAPD using CRD #321967.
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PRIVACY & DATA PROTECTION
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A: To provide our advisory services, we collect information you provide directly: name, contact details, social security number, financial account information, income, tax status, and investment objectives.
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A: Your information is only shared with our custodian (Axos Clearing LLC) and co-adviser (Matson Money, Inc.) in order to service your accounts, or if we are legally required to do so.
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A: We maintain physical, electronic, and procedural safeguards. Access to client data is limited to personnel who need it to serve your accounts.
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IMPORTANT INFORMATION ABOUT THIS WEBSITE
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A: No. This site is for informational and educational purposes only. Nothing here should be considered a personalized investment recommendation. For personalized advice, schedule a discovery call.
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A: Past results are never a guarantee of future performance. All investing involves risk, including potential loss of principal. This is one reason we focus on a long-term, evidence-based approach rather than chasing short-term returns.
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Verify Inbundance's registration and credentials through FINRA BrokerCheck or the SEC's IAPD website.
Our CRD number is 321967.
