Frequently Asked Questions
About Allworth
Yes. Allworth is a fiduciary registered with the U.S. Securities and Exchange Commission. This means we are legally and ethically obligated to act in your best interest at all times. Our recommendations are guided by your goals and circumstances—not commissions, quotas, or product incentives.
Allworth delivers integrated, planning-first wealth guidance that brings together in-house expertise across investments, tax, estate, insurance, income, and risk within a single framework. Advanced modeling, scenario analysis, and a broad investment platform inform portfolio management and ongoing advice, ensuring strategies remain aligned as client circumstances and markets evolve.
This structure allows us to identify opportunities, manage tradeoffs, and optimize decisions across your full financial picture—not address issues in isolation.
We refer to this coordinated approach as The Allworth Advantage: complete planning, personalized strategies, and alignment across every aspect of your wealth.
Allworth operates as a fee-based Registered Investment Advisor (RIA). Our compensation is based on a transparent percentage of assets under management (AUM). There are no hidden fees, and we do not pay commissions. This structure aligns our interests with yours and supports long-term, objective guidance.
Getting Started with Allworth
Meetings can take place in person, by phone, or by video, depending on your preferences and schedule.
Your first meeting is an exploratory conversation focused on understanding your priorities, financial structure, and long-term goals. There is no obligation to move forward, no pressure to make decisions, and no preparation required.
During this discussion, we’ll identify key areas of opportunity or concern and outline how our advisory approach could address them. The goal is to determine whether there is strong alignment and whether a more detailed proposal makes sense as the next step.
This ensures your time is spent clarifying direction, not reviewing paperwork or hearing a generic presentation.
No. You are not expected to gather documents or prepare information for an initial conversation. If you decide to move forward, your advisor will guide you through next steps at a comfortable, structured pace.
Our Process
Your advisory fee provides access to Allworth’s comprehensive planning platform, including coordinated financial planning, proactive tax guidance, personalized investment management, legacy planning coordination, Social Security optimization (where appropriate), insurance evaluation, and ongoing oversight designed to help identify risks and opportunities over time.
Rather than paying for individual transactions or products, your fee reflects continuous advisory leadership across your financial life.
Yes. You work with a primary wealth advisor who serves as your strategic lead and central point of accountability. Behind your advisor is a coordinated team of specialists—including investment professionals, tax planning experts, estate planners, and insurance specialists—engaged as needed based on your circumstances.
Your advisor orchestrates this expertise on your behalf, ensuring decisions across disciplines move in concert rather than in isolation.
Every relationship begins with a deep understanding of your goals, financial structure, and decision landscape. Based on those initial discussions, we develop a detailed proposal outlining how your strategy could be designed, including coordinated recommendations across investments, tax planning, legacy considerations, and risk oversight.
This second-stage conversation allows you to evaluate a more fully developed plan before making any decisions, ensuring recommendations are specific, integrated, and aligned with your objectives.
Ongoing Stewardship
Yes. You always retain full control of your assets. You can access your accounts directly through the custodian at any time, as well as through your advisory team.
Your plan is reviewed regularly and adjusted as markets, laws, and your life evolve. Many clients meet with their advisor on a quarterly or semiannual basis, depending on complexity and preference.
In addition, your advisor remains available whenever questions arise or circumstances change, ensuring decisions can be addressed promptly rather than waiting for a scheduled review.
The time it takes varies depending on the complexity of your situation, but typically:
- Account setup takes two to three business days
- Asset transfers take seven to fourteen days
- A comprehensive wealth plan is delivered within approximately two weeks after receiving necessary information
This pacing reflects our commitment to thoughtful, not rushed, wealth planning.
Still have questions?
A conversation with our team can help determine whether Allworth’s coordinated, sophisticated approach aligns with how you want your wealth managed.