Begin a conversation.

What happens next

Five steps, and you can stop at any one of them. Nothing before step five costs you anything, and nothing before step five commits you to anything.

1. You reach out. Email, phone, or the form above — whichever you prefer. Zachary responds personally; there is no assistant, no call centre, and no queue. Nothing to prepare
2. An introductory call. About thirty minutes. You describe your situation, we describe how we work, and you ask anything you like — including how we are paid and what we would do differently from whoever you are working with now. If we are not the right firm for you, we will say so on this call and, where we can, point you somewhere better. 30 minutes · No cost · No obligation
3. A discovery meeting. Only if you want to continue. Ninety minutes to understand the whole picture — what you own, what you owe, what you are trying to fund, and what keeps you up. Helpful to have on hand: recent account statements, your most recent tax return, and any existing plan or policy documents. 90 minutes · No cost · No obligation
4. A written proposal. Plain English, in writing, before you decide anything. It states what we would do, how we would do it, and what it would cost — expressed in actual dollars for your situation, not only as a percentage. You take it away and read it. Yours to keep · No cost
5. You decide. If the answer is yes, we send the advisory agreement for electronic signature and open your accounts. If the answer is no, that is the end of it — there is no follow-up sequence and no second call. Take as long as you need

A few things worth knowing before you call

• We never hold your money. Accounts are opened in your name at Interactive Brokers, an independent custodian. You keep your own login and can see every position and every transaction at any time. Our only access to your account is to place trades and to deduct the advisory fee you authorized, which is a limited form of custody under Florida's rules. We do not accept authority to wire your money to anyone.
• You do not have to move everything. Held-away retirement plans, a concentrated position with a low basis, or an annuity with a surrender period may all be reasons to move slowly or not at all. A proposal that says “transfer all of it now” without examining the tax cost is a sales document, not advice.
• We will not ask for account passwords or your Social Security number on an introductory call. Nobody legitimate needs those to have a first conversation.
• This firm is paid only by its clients. Wolfson Private Wealth earns no commissions and no revenue sharing, and it has no product to sell you. Our fees are published in advance.
• You can leave whenever you want. There are no surrender charges, no lock-ups and no exit fees. If it is not working, you should go.

Other businesses

Zach Wolfson owns and operates other businesses outside this firm, including insurance agencies that earn commissions on health and Medicare insurance. Wolfson Private Wealth sells no insurance, earns no commission on anything, and is paid only the advisory fee its clients pay it. The firm does not recommend that its clients buy insurance through those agencies, and any policy a client buys anywhere is outside this engagement and is never billed under it. These outside businesses take time and attention, which is a conflict worth knowing about. They are disclosed in Item 4 of Zach's Form ADV Part 2B and Item 10 of Part 2A, which you can read at adviserinfo.sec.gov under CRD 314416.