Frequently Asked Questions

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BLDR stands out by integrating investments, financial & estate planning, and tax-smart recommendations on one powerful platform. Our approach combines cutting-edge technology with hands-on expertise, ensuring your money is actively managed by a team of real investment professionals. Our sole focus? Helping you grow your wealth while saving you time 

• We love the S&P 500—it's a strong, time-tested index. But no single investment fits everyone, all the time. Wealth should be personal.
• We build portfolios tailored to your goals, blending passive and active strategies across asset classes. We’re tactical, adjusting when needed—especially at market highs.
• Bottom line: The S&P 500 is a great tool, but real wealth needs a full toolbox. That's what we deliver.

 This will happen at some point in your retirement. We'll develop a plan that provides guardrails and a monthly spending capacity. Rather than focusing on a pass/fail percentage, you’ll have a flexible spending strategy that will adapt to market conditions so you don’t outlive your plan. 

Finance is full of jargon and noise—we cut through it. Our team handpicks only the most effective, cost efficient investments—no fluff, just what works. Every investment is rigorously researched with two simple questions: Would we invest in this ourselves? And will it grow your hard-earned money safely and tax-efficiently? 

BLDR is your personal advisor team, always a tap away. Whether it’s a portfolio check, tax consultation, or major life planning, we’re here when you need us. Some clients prefer quarterly check-ins, while others reach out yearly. Your most valuable asset is time—we help you make the most of it. 

It begins with dialogue and understanding each other. Our clients have either realized they’ve passed the DIY phase and/or have had a less than ideal experience with a prior advisor. The foremost reasons clients part ways with their financial advisors are poor communication, lack of personalization, and transparency. BLDR Wealth was purposefully established upon three foundational pillars: proactive communication, steadfast transparency, and highly personalized advice. 

• Let us be crystal clear about this: Your security is our absolute priority. As a Registered Investment Advisor, BLDR is legally required to act in your best interest as a fiduciary.
• SIPC protects investors against the loss of cash and securities in the event of a SIPC-member brokerage firm failure. The limit of SIPC coverage is $500,000, which includes a $250,000 limit for cash. SIPC coverage is limited and does not protect against the decline in value of your securities. For more details, visit https://www.sipc.org/.
• Plus, we use a third-party custodian to hold client assets separately. Most importantly, you own all your underlying assets in a separately managed account - we don't hold your assets directly. We employ industry-leading encryption and cybersecurity measures to protect your data, from encryption to SAML protection, because we know we're handling your hard-earned money. That's a responsibility we take incredibly seriously

We are a fee-based advisor and charge using a tiered chart based on your Assets Under Management (AUM). This fee starts at 1.5% for assets under $500,000 and the rate goes down with more AUM. We are clear and upfront about our fees all throughout the engagement. We always want you to feel that the value is more than the price you pay.

If you already manage your own assets and just want a financial plan around retirement, ROTH conversions, draw down strategies or planned giving, then we have a fixed fee engagement and can work with you to create clarity around your goals. Those plans start at $3,900 for married clients and single clients start at $3,100. We are happy to quote for your unique situation.