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Frequently Asked Questions

Find answers to the most common financial planning questions we’re asked.

Why do I need a financial planning or investment management firm? Why can’t I manage my own money?

Certainly many people do manage their own money. But many others reach a point in their life where they realize how much is at stake if they make the wrong decisions. And they wisely acknowledge that they may have neither the time to invest in making those choices, nor the professional expertise to make good decisions in today’s complex financial marketplace. We specialize in building our clients’ wealth and managing it so they never run out of money, and feel that we provide value in multiples of what we charge.

Does TriCapital act as a fiduciary?

Yes. TriCapital has acted as a fiduciary for our clients since we first opened for business in 1999. A fiduciary standard is a higher standard that means an advisor must act in the best interest of his or her client and disclose any potential conflicts of interest. There is much discussion these days about whether a fiduciary standard should apply to all advisors in the securities business so it is important to understand TriCapital has embraced this highest level of advice since our beginning.

What is the cost for an initial meeting?
There is no cost for an initial meeting. The purpose of the initial meeting is for us to get to know each other, for us to understand the basics of your financial goals and current situation, and to mutually decide if there’s a basis for us to work together toward achieving your financial goals. You are welcome to ask any questions on your mind and develop the best understanding possible of what to expect.
Can I view my accounts online?

Yes, TriCapital uses state of the art technology that enables you to view your accounts online at anytime, including performance and allocation, as of the previous market close. In fact, our client portal provided by Tamarac Reporting recently won the 2017 WeathManagement.com Client Portal of the Year award.*

Who is National Financial Services (NFS)?

For the safety and security of your accounts, we have selected National Financial Services, LLC (a Fidelity® Company) to provide clearing, execution, settlement, custody, reporting and trading services. Established in 1983, Fidelity’s custody and clearing firm is an industry leader and services millions of accounts representing over $3 trillion in assets under administration.

Who is Triad Advisors?

Headquartered in Atlanta, Georgia, Triad Advisors, LLC. is an independent broker/dealer comprised of successful, independent financial professionals located throughout the United States. As a boutique firm, Triad provides the most flexible, non-proprietary wealth management platform in the industry with unmatched reports, products, services and support. Triad’s nourishing, personalized culture of service has attracted the upper echelon of advisors and is the primary reason Triad is one of the top broker/dealers in the industry, as recognized in numerous financial publications.

What is the relationship between TriCapital Wealth Management, Triad Advisors and NFS?

TriCapital is an independent provider of financial and investment advice dedicated to providing the finest wealth management products and services available in the marketplace. By partnering with Triad and NFS, TriCapital is able to offer you a comprehensive menu of unbiased, non-proprietary wealth and trust solutions backed by the financial strength of Fidelity Investments.

What is FINRA?

The Financial Industry Regulatory Authority (FINRA) is a regulatory organization for all securities firms doing business in the United States. Created in July, 2007 through the consolidation of NASD (National Association of Securities Dealers) and the regulatory functions of the New York Stock Exchange, FINRA is dedicated to investor protection and market integrity through effective regulation and compliance services.

How long has TriCapital been in business?

TriCapital has been in business since June, 1999 when it was founded by Randy White.

Why is it important to work with a Certified Financial Planner™? What about other financial services professionals?

The mark CFP® and CERTIFIED FINANCIAL PLANNER™ can only be used by financial planners who are committed to competent and ethical behavior when providing financial planning services. CFP® practitioners have taken the extra step to demonstrate their professionalism by voluntarily submitting to the rigorous CFP® certification process. In addition to significant education and experience requirements, they must pass a comprehensive exam that tests their personal financial planning knowledge and skills, continuously update their abilities and abide by a strict Code of Ethics.

How do I become a client?

It’s easy – simply make an appointment with us to discuss your financial situation. After the initial meeting you’ll know how we can help you and we’ll both know if it’s a good fit. We’ll take it from there.

How are you compensated and what are your fees?

We strive to ensure our fees are transparent, competitive, and fair. We believe that investment management fees based on the assets we manage for you is the most appropriate method since it aligns our interests with yours perfectly. When your accounts grow and you prosper, we prosper. Likewise, if your accounts decline we are in the same boat with you and our compensation declines. Since many client situations are unique, we do retain the flexibility to offer other compensation alternatives, such as an annual retainer, when a particular client situation calls for it. You will always know what fees to expect and have an opportunity to approve them in advance. The bottom line is that we strive to create relationships in which our clients feel they receive high value for the services we provide.

What is the SIPC?

Both Triad Advisors and National Financial Services are members of the Securities Investor Protection Corporation (SIPC) which was created in 1970 to restore funds to investors with assets at bankrupt or financially troubled brokerage firms. Coverage for cash and securities in protected client accounts is provided from two sources: (1) SIPC insurance provides $500,000 of net equity protection including up to $250,000 for cash claims; and (2) Fidelity maintains additional protection for client assets at no cost to you. This policy, through Lloyd’s of London and other insurers, offers $1 billion in coverage which is the maximum “excess SIPC” coverage currently available in the brokerage industry.


Partner with a Trusted Financial Advisor

We offer a complimentary “Get Acquainted” meeting to learn about your goals and see if our services are right for you. Come in for a cup of coffee and a second opinion – both are free.