FAQ's when selecting
a financial advisor

Frequently Asked Questions

Thank you for stopping by! Check out our Frequently Asked Questions FAQ’s: At Ulin & Co., we understand that choosing the right financial advisor is one of the most important decisions you’ll make. With so many options available, it’s important to know the right questions to ask before committing to a wealth management firm.

To help guide your decision, we’ve compiled a list of the top frequently asked questions we’re often asked by prospective clients that meet with us in Boca Raton, South Florida to nationwide. These questions touch on everything from our fiduciary duty to the unique services we provide, ensuring you have the answers you need to make an informed choice.

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📍 301 Yamato Road, Suite 3150, Boca Raton, FL 33431

📞 (561) 210-7887   |   🌐Click to Get Started 

Your Boca Raton Wealth Team  

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1. Are You a Fiduciary 100% of the Time?

We always operate as a fiduciary, meaning we are legally and ethically required to act in your best interest at all times. Unlike other firms that may follow a suitability standard, Ulin & Co. is fully committed to putting your financial goals first.

2. What Are Your Qualifications and Experience?

Our team is composed of highly qualified professionals, including Certified Financial Planners™ (CFP®) with extensive experience managing complex financial situations. At Ulin & Co., you can trust that your wealth is in capable hands, guided by professionals who understand your unique needs.

3. How Are You Compensated?

At Ulin & Co., we prioritize transparency in our compensation structure. We operate on a fee-only model for portfolio management, which means our fees are based solely on the assets you entrust us with, according to our provided fee grid. This eliminates conflicts of interest, ensuring our recommendations are always in your best interest. Our fee reflects not only portfolio management, but also the value our team brings through research, trading, and comprehensive financial planning advice. With a focus on low-cost ETFs and securities, we are committed to minimizing your fees and expenses, helping you retain more of your investment gains.    

4. Do You Work Independently and With Which Custodians?

At Ulin & Co., we pride ourselves on our independence. Along with our partner, NewEdge Advisors, we operate as an independent Registered Investment Advisor (RIA). We work with reputable custodians like Charles Schwab and Fidelity for asset custody and management. This partnership ensures that your assets are handled with the utmost care, backed by a fiduciary standard that prioritizes your best interests.

5. What Is Your Investment Philosophy?

Our approach to investing centers on long-term growth through strategic asset allocation and diversification. We balance risk management with opportunities for capital appreciation, helping you stay on track to achieve your financial goals before and through retirement. 

6. How Often Will We Meet and Communicate?

We believe in building lasting relationships with our clients. That’s why we set clear expectations from the start about the frequency and format of our communication. Through quarterly office or zoom meetings, annual reviews and digital updates, we make sure you’re always in the loop. We can also be part of your financial team discussions and meetings (estate attorney, CPA, etc.)

7. How Do You Protect My Sensitive Financial Information?

In today’s digital age, protecting your sensitive financial data is paramount. At Ulin & Co., we use the latest encryption and security protocols to ensure that your information is safe from unauthorized access. You can rest easy knowing that your privacy is a top priority.

8. What Services Do You Offer Beyond Investment Management?  (Do you offer Financial Planning) 

While investment management is the foundation of our services, we offer a broad range of financial planning services, including retirement planning, tax strategies, estate planning, and insurance. Our holistic approach ensures that every aspect of your financial life is well-managed and aligned with your long-term goals.

9. What Is Your Client Retention Rate?

We take pride in the relationships we build with our clients. Our high client retention rate speaks to our commitment to providing exceptional service. Most clients work with us for decades. Our average client tenure is over 15 years. We’ve also earned 15 five-star reviews on Google, reflecting our ongoing commitment to trust, transparency, and long-term results.

10. Do You Have a Minimum Asset Requirement?

At Ulin & Co., we serve clients of various financial backgrounds. However, we do have certain minimum asset requirements for specific services. We will work with you to determine the best approach based on your unique financial situation. Our minimum is $500K. 

11. What Makes Ulin & Co. Different from Other Advisors?

Ulin & Co. stands apart because of our personalized, comprehensive approach to wealth management. We work as your personal “CFO” and advocate on all areas of financial planning. We take the time to understand your financial goals, values, and priorities, creating a customized strategy that fits your life. We also pride ourselves on education, empowering our clients to make informed decisions. With a boutique client base, we have the time and resources to provide you a concierge approach not found at the big box wire houses. 

12. How Do You Handle Conflicts of Interest?

Minimizing conflicts is a priority. Transparency is key when it comes to potential conflicts of interest. We avoid commissions and incentivized products, ensuring that our advice is based solely on what’s best for you. If a conflict ever arises, we disclose it immediately and work with you to find the best solution.

13. What’s Your Approach to Tax Planning?

Tax efficiency is essential for preserving wealth. At Ulin & Co., we integrate tax strategies into every part of your financial plan, from tax-loss harvesting to optimizing long-term capital gains. Our goal is to minimize your tax burden while maximizing your investment returns.

14. What Happens If I Need to Withdraw Funds?

We understand that life happens, and there may be times when you need access to your funds. Whether it’s an emergency withdrawal or part of your long-term financial strategy, we help ensure that accessing your funds is straightforward and stress-free, without compromising your overall financial plan.

15. How Do You Measure Success for Your Clients?

Success means different things to different people. At Ulin & Co., we work with you to set clear, measurable goals and track your progress over time. Whether it’s achieving a specific retirement target, funding a child’s education, or growing your wealth, we are committed to helping you realize your financial aspirations.

16. How Do You Handle Life Changes or Major Events?

Major life events, such as marriage, the birth of a child, or selling a business, can have significant financial implications. At Ulin & Co., we provide tailored advice during these transitions, ensuring your financial plan adapts to your evolving needs.

17. Do You Offer Sustainable or Impact Investing Options?

Sustainable investing is a growing priority for many clients. At Ulin & Co., we offer ESG (Environmental, Social, and Governance) investment options that align with your values, allowing you to invest in a way that reflects your commitment to making a positive impact on the world.

18. How Do You Help with Business Succession Planning?

For business owners, planning for succession is crucial to the future success of your business. We provide small business planning and services from implementing retirement plans, insurance and other benefits, to employee worksite education programs. We work with you to develop a tailored succession plan, ensuring that your business continues to thrive, whether you’re passing it on to the next generation or planning for a sale.

19. How Do You Help with Estate and Legacy Planning?

Estate planning is vital for ensuring your wealth is passed on according to your wishes. We help you navigate the complexities of trusts, wills, and other legacy planning tools to ensure your assets are distributed efficiently and according to your desires.

20. How Do You Manage Market Volatility in My Portfolio?

Market volatility is inevitable, but our approach to diversification and risk management helps minimize its impact. We regularly rebalance your portfolio to ensure it stays aligned with your risk tolerance and long-term financial objectives, even in unpredictable market conditions.

21. Do You Provide Financial Education for Clients?

At Ulin & Co., we believe that an educated client is an empowered client. We offer ongoing financial education through workshops, webinars, and personal consultations, helping you understand the strategies and decisions that shape your financial future.

22. How Do You Ensure My Financial Goals Are Met?

Your financial goals are our top priority. We use cutting-edge technology and detailed tracking systems to monitor your progress and make adjustments as needed. Whether it’s retirement, buying a home, or other life goals, we make sure your financial strategy evolves with your needs.

23. How Can You Help with Tax-Advantaged Accounts?

Maximizing the use of tax-advantaged accounts like IRAs, HSAs, and 401(k)s is an essential part of your financial plan. We help you navigate these accounts to optimize their benefits, reducing your tax liability while ensuring you’re on track to meet your retirement goals.

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Choosing the right financial advisor is a big decision, and we hope these answers in our Frequently Asked Questions page-  help you understand why Ulin & Co. is the best choice for your wealth management needs. With our client-first approach, deep expertise, and comprehensive services, we are ready to help you achieve your financial goals with confidence.

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 Call today (561) 210-7887 to get started or fill out the following form and we’ll be promptly in touch. 

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📍 Visit our Boca Raton wealth management firm at 301 Yamato Road, Suite 3150 — or schedule a Zoom consultation from anywhere. Call today: (561) 213-6249