Wealth Management Associates, Inc., works with two respected national companies to provide all the resources our clients require. Therefore, WMA clients benefit from the expertise and combined resources of three companies: Wealth Management Associates, Inc., Securities America, Inc. and accounts are carried by National Financial Services LLC, Member NYSE/SIPC. (also see Our Firm). The following services are available to our clients:
 

Brokerage Services

Brokerage services are available through Securities America, Inc. (SAI), an independent broker/dealer and a member of FINRA/SIPC. SAI oversees the compliance of operations and assists in maintaining proper regulatory adherence. Each associate is a registered representative and licensed to offer securities to the investing public. Transactions are executed and securities are held by National Financial Services Corporation, (NFS), one of the largest clearing houses in the United States. NFS serves as custodian of client cash and securities.

Investment Management Services and Financial Planning

Wealth Management Associates, Inc. (WMA) is a registered investment advisory firm. Each of our Investment Advisor Representatives (IARs) is registered to offer asset management of client investments, working toward achieving clients’ financial goals and planning for their future financial needs.

WMA provides investment advisory services tailored to a client’s needs and investment objectives. Services include:
Fee-based asset management,
Financial planning, including plans, consultations, and estate settlement assistance, and
Monitoring other money managers on the client’s behalf.

In some cases, clients may choose to contract with Wealth Management Associates, Inc., for consultation services alone, rather than having a comprehensive financial plan prepared. If consultations include estate settlement activities, the IAR may refer a portion of the services to an outside professional, such as an attorney or an accountant.

Implementation of advice provided by Wealth Management Associates, Inc. is completely at the discretion of the client. The client is free to select any broker, dealer and/or insurance agent to implement the advice he/she receives. If the client chooses to implement advice through a Wealth Management Associates IAR, the IAR will act in a separate capacity as a registered securities representative and/or independent insurance agent.

Financial planning services terminate upon completion and presentation of the plan and/or consultation. Wealth Management Associates, Inc. recommends that clients have their financial situations reviewed annually.

Asset Management

Wealth Management Associates, Inc. provides investment management services, defined as giving continuous advice to a client based on the client’s needs.

A complete description of the investment program and related fees and charges is provided to clients prior to or at the time an investment account is established.

Account Reviews

Asset management client accounts are reviewed quarterly unless changes in a client’s situation or changes in market conditions trigger a more frequent review. Accounts at outside money managers are reviewed when reports and/or statements are received from the other money managers, usually quarterly.

Clients receive statements at least quarterly from the investment company, broker/dealer,
and/or money manager at which the client account is maintained.

Insurance Services

Insurance services are available to clients. If it is determined that you require an insurance vehicle for your portfolio, your financial adviser is state-licensed as an insurance agent and able to meet your needs.