Our Team

The core of our planning and investment capabilities lies in the combined and individual experience of our team of professionals.
Diane Coe Dercher
Matthew D. Ison
Kevin S. McGrew
Paul L. Watkins
Cindy Glenn
Christopher M. Wurst

Our Process

As you consider engaging WMA for individual wealth management services, we invite you to get to know us. Contacting our office to set up a meeting is the first step. This discovery process is the most important part of financial planning. It allows us to understand you and your goals and maybe even uncover something you did not know about your relationship with money. During the discovery process, we will ask questions, but for the most part we will let you talk about what you would like to accomplish.
Once we have identified your specific goals we begin the process of preparing your financial plan. Each client’s portfolio is designed specifically for them. We don’t jam individuals into model A, B, or C. This allows us to customize the level of risk in client portfolios. In our view risk is as important a component of portfolio performance as return. This design process also assists in our efforts to maximize tax efficiency when possible.
After a financial plan is complete and agreed upon, it is time for the implementation of the recommendations. Quite often this allows for the consolidation of multiple accounts to a single custodian. This simplifies the record keeping process and provides clients more time to pursue their interests. Once the accounts are in place we will make the necessary changes to put your portfolio into action.
Since your needs and goals may change, we review and monitor your plan to identify any changes that may be needed to keep you on track. Every holding in a portfolio is under continuous review. The advisors at WMA perform extensive research, listen to conference calls, and attend conferences in an effort to better understand the fund managers we employ and the financial markets in general. Each client is assigned two advisors and every client is contacted quarterly with a full portfolio review.

Our Fees

Investment Management and Advisory Services

Clients who contract for investment management or advisory services generally are charged annual fees based on assets under management according to the following schedule:
Assets Under Management Annual Fee
First $1 Million
Over $1 Million
WMA generally bills fee quarterly (i.e. ¼ of the annual fee), with the fee based on the net asset value of active assets in the portfolio as of the last business day of the billing quarter. Clients may elect to have management fees deducted from their custodial assets, or may elect to be billed directly.
Below is a chart comparing WMA’s published fee to an average of fees charged by similar firms:
Though no advisory firm or compensation structure can ever be entirely free from conflicts of interest, at WMA we are committed to avoiding conflicts and we will disclose conflicts of interest prior to entering into a contract with a client.

Financial Planning Services

Financial planning services are billed at an hourly rate of up to $200 per hour, payable when the work is completed.

Free Financial Review

We offer a complimentary review meeting to describe our services, and to see if our services are right for you.

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