Frequently Asked Questions

These are a few of the benefits of partnering with Overture:

• • • Peace of mind from receiving independent, conflict-free advice from a fiduciary
    • Expert financial advice from an advisor with over 20 years of experience in the financial services industry
    • Partnering with a wealth manager who is ultra-sensitive to minimizing drags on investment returns: transaction fees, fund expenses, and taxes
    • An intentionally low client-to-advisor ratio to ensure exceptional responsiveness when time-sensitive client needs arise
    • The ability to pay a flat fee for holistic portfolio management—as your portfolio value presumably grows over time, the advisory fee you pay to Overture will not grow commensurately. This is very different from the more traditional “assets under management” (AUM) fee that many advisers charge.

As a fiduciary, we are legally and morally obligated to act in your best interest. This means our recommendations are always aligned with your financial well-being, not influenced by commissions or third-party incentives.

We work with a wide range of clients, including individuals, families, and small business owners. We work with clients who are both accumulating assets for retirement, as well as retired clients who are drawing from their investment portfolios. Our expertise particularly benefits high-net-worth and ultra-high-net-worth individuals seeking ongoing portfolio management and comprehensive wealth management.

Overture Wealth Management LLC (OWM) is located in Conshohocken, about 15 miles outside of Philadelphia. OWM is regulated by the Commonwealth of Pennsylvania’s Department of Banking and Securities. While we are located in Pennsylvania, we are able to work with clients in most states. Client meetings are frequently conducted virtually via videoconference.

Overture’s preferred investment strategy utilizes low-cost, commission-free Exchange Traded Funds (ETFs) to provide investment diversification. We use both passively-managed and actively-managed ETFs from Vanguard, BlackRock iShares, and Dimensional Fund Advisors (DFA), among other providers. When deemed beneficial to the client (e.g. for tax reasons), we may also retain a client’s existing mutual fund, ETF, and/or individual stock and bond investments.

No. You can elect to have both managed and self-managed investments. Additionally, Overture will not recommend moving investment accounts under Overture’s management when not deemed to be in your best interest.

We are solely compensated by the flat fee that our clients pay to us. We receive no commissions or incentives for any products or services we recommend, and do not receive referral fees from third party professionals (e.g. tax, estate planning, and insurance professionals) to whom we may refer to you.

Your money is held by a third-party custodian whose primary job is to safeguard client assets. As your investment advisor, Overture Wealth Management is only granted limited authority to perform transactions on your behalf. The majority of our client accounts are custodied at Charles Schwab & Co. Clients receive account statements and transaction confirmations directly from Schwab. Schwab also provides clients with secure online account access.