Frequently Asked Questions
All you need to know before meeting with us.
Do I have to be Christian to become a client?
70% of our clients are Christians.
Since we are a Christian financial advisory firm, most clients we attract identify as Christians. However, many people who do not identify as Christians share our values.
We respectfully serve everyone with the highest competence and professional ethics.
What makes Abundant Advisors different?
We go beyond the typical firm to serve as your CFO. Our sevices include financial planning, investment management, tax preparation, and estate planning.
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Are you a Registered Investment Advisor?
Yes, we are registered in the states of North Carolina and Pennsylvania.
We can serve clients in all states pursuant to regulatory exemptions and may pursue full registration in additional states if needed.
Are you associated with a broker-dealer?
No. We are an independent advisory firm.
Who do you use as a custodian?
Our primary custodian is Altruist Financial, LLC. They serve 3,000+ advisory firms across the U.S. They keep your investments safe, and you grant us authorization to perform transactions, collect fees, and arrange money movement on your behalf.
As part of the onboarding process, we will create new accounts for you and transfer your investments to our management.
Click here to review the Altruist fee schedule
Does your firm offer proprietary mutual funds or separately managed accounts?
We do not offer proprietary mutual funds. We invest our client assets in mutual funds and ETFs managed by the largest asset managers in the world.
Separately managed accounts may be used in specific circumstances where it is in the best interest of the client to do so.
Are there limits on the financial products available to invest?
We invest our client portfolios in ETFs and mutual funds based on their risk profiles and financial plans.
We do not invest client funds in individual stocks, individual bonds, or other instruments.
Exceptions may include holding appreciated individual stock in the portfolio and divesting over time to avoid large tax bills.
Does your firm receive any third-party compensation for recommending particular investments?
No. We do not receive third-party compensation, commissions, or incentives.
How do you view the current financial market?
Our views of the market are two-fold.
In the long term, financial markets are resilient and reward discipline. In the short term, there are clouds and turbulence.
For clients who need cash in the short term, we take steps to reduce volatility. For the majority of client positions, we recommend well-diversified portfolios with a long-term perspective.
Who are your best clients?
Clients who are kind, responsive, willing to delegate, and trust that we always act in their best interest.
Which clients do you not work with?
We typically don’t work with clients who prefer to manage investments on their own, look for high-risk investment strategies, or don’t do their part to make the relationship fruitful.
How do you make money?
We are a fee-only advisory firm, which means we are only paid directly by the client, through deducting their investment accounts or checking accounts.
We do not receive any commissions or incentives from anyone else.
What's your return track record?
We can't control capital market returns.
We add value in everything we can control: investing assets in high-quality, low-cost, diversified funds, designing your retirement vision, implementing income strategies, comprehensive planning, and behavioral coaching.
What happens if my advisor gets hit by a bus?
We have a signed agreement with another Registered Investment Advisor to ensure the orderly transfer of client accounts in the event of death and permanent disability of our principal.
Does your firm have an asset minimum?
We have no asset minimums, however, our minimum fee is $10,000 per year (paid quarterly).