How can I make a deposit into my account?
Mail/drop off a check to our office at 18 Church Rd Malvern, PA 19355
Who do I make my check out to?
Make check out to First Clearing, LLC
How do I order checks?
Call our office. We will order the checks for you.
How do I open an account?
Call our office, and we will open the account as we gather information from you.
How do I see my accounts online?
Go to our website, click on the client portal, then click on the self-enrollment instructions for Access Online.
How do I transfer money?
The quickest way to transfer money is to have an ACH agreement on file with us so you can call our office with instructions, and we will transfer the money for you.
How much do you charge?
Annual Advisory Fees for Discretionary Accounts range up to 1.5% per annum and are negotiated based on the complexity of the engagement prior to the start of the engagement. The standard fee schedule is as follows and is based on total household assets under management:
Household Assets: Annual Fee (%) for all assets:
On the first $500,000 1.50%
Amounts of $500,001 to $1,000,000 1.35%
Amounts of $1,000,001 to $2,500,000 1.20%
Amounts of $2,500,001 to $5,000,000 1.00%
On all amounts in excess of $5,000,000 0.75%
Can you help me with my will?
Yes, we can refer you to an estate attorney, or for a very simple will, we can create the documents through our association with Helios Integrated Planning.
Do you do taxes?
No, we can refer you to one of our CPA relationships
What is a fiduciary? Are you one?
A fiduciary is a person or organization that acts on behalf of another person or persons, putting their clients' interests ahead of their own, with a duty to preserve good faith and trust. Being a fiduciary thus requires being bound both legally and ethically to act in the other's best interests. Yes, Forefront Wealth Management is a fiduciary.
How do you invest my account?
We customize your investment strategy plan to align your need for return along with your tolerance for risk. Our investment strategies are built around allocations to asset groups including Cash, Fixed income (Taxable and Tax-free Bonds), Equity (Stock, ETF and Mutual Funds) and Real Assets (Commodities).
What is your investment philosophy?
Our investment philosophy is centered around the fact that investors need a growing source of income over their lifetime, so they never run out of money. The best way to accomplish this is by owning great companies. We build investment portfolios around our investor's needs, in a simple, recognizable, and transparent way.
Is my money safe with Forefront?
Yes, your assets are held safely by one of our custodians, Wells Fargo Clearing or Schwab. Both firms are insured by SIPC. With your permission, as your advisor, Forefront can manage your investments according to a mutually agreed-upon plan and strategy. We cannot remove assets or money from your accounts.
Should I put money in a Roth IRA?
Every investor is different. To answer this question, we first need to understand your individual situation. We use our planning tools to measure how different situations impact your plan over time, helping us make better decisions and produce better outcomes.
Can you help me with my 401k?
Absolutely, our planning process is holistic, and we look forward to helping our investors understand their 401k options. Our services include specific investment advice. So, even if your 401k is held at another institution, as long as you share your investment options with us, Forefront will be able to help.