FREQUENTLY ASKED QUESTIONS
Getting to know CIA
Who is CIA
CIA is an indepent financial advisory firm. We provide complete financial planning for clients located in different states around the country. We work both online and through in-person meetings. We operate in a Fiduciary capacity, putting our client's best interests first.
How do fees work?
CIA charges account management fees in accordance with Fiduciary guidelines. Our fees are stated annually, but typically charged on a quarterly basis (1/4 of annual fee). Our fee structure includes all services we provide, in addition to asset management. We offer, income planning, tax planning, asset protection, debt management and estate planning.
How is CIA different
CIA blends old school traditional financial planning with new school technology. Our relationshiops are based on trust and offering advice based on our client's best interest. We comprehensively look at our client's financial lives. We've found over time that a typical new client doesn't have a plan, just pieces to a plan that haven't been put together.
How safe is your money?
CIA offers advice as a fiduciary, and we help you manage your money. We do this work as two legal entities—Arbor Point, LLC, which is an SEC-registered investment advisor, and Securities America, an SEC-registered broker-dealer, regulated by FINRA. Your money is protected through Securities America's membership in SIPC, insuring investors up to $500,000 (including $250,000 in claims for cash). Note that SIPC does not protect against market loss or market changes in your account. Learn more in SIPC’s explanatory brochure.
What solutions does CIA offer?
We are an independent advisory firm. We can choose our custodian relationship based on our investment recommendations we feel are most suitable for you. We are able to offer stocks, bonds, mutual funds, exchange traded funds, index funds, CD's, annuities, life insurance, real estate investment trusts and most other investment categories. Certain investments require additional qualifications based on net worth and income.
How do I move my money to CIA
There are two primary ways to move money to CIA
What type of accounts does CIA offer?
Who do I call for help?
At CIA, we work as a team. Your advisor's job is to provide you with the best possible advice to suit your situation. With all the moving parts there are bound to be a number of questions that come up such as: requesting distributions, transferring accounts, establishing additional accounts, changing an address, updating a beneficiary, etc. For these types of requests, our client service team is happy and able to support. You will have a consistent voice you will also establish a relationship with on the service side of your account, but for any questions regarding planning or advice on your account you would be directed to your advisor.