Terms & Conditions, CRS

CRS

WealthGuard Advisors, Inc. 

January 29, 2024 

FORM CRS 

WealthGuard Advisors, Inc. is registered with the Securities and Exchange Commission as an investment adviser and, as
such, we provide advisory services rather than brokerage services. Brokerage and investment advisory services and fees
differ and it is important for you, our client, to understand the differences. Additionally, free and simple tools are available to
research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker dealers, investment advisers, and investing. This document is a summary of the services and fees we offer to “retail”
investors, which are natural persons who seek or receive services primarily for personal, family, or household purposes.

What investment services and advice can you provide me?  

We offer the following investment advisory services to retail investors: Portfolio Management Services, Financial
Planning Services, Advisory Consulting Services, and Selection of Other Advisers. Detailed information regarding
our services, fees and other disclosures can be found in our ADV 2A Brochure, Items 4, 5, 7, 8 ,10, 13 and 16 by
clicking this link https://adviserinfo.sec.gov/firm/summary/297192. 

  • Account Monitoring – If you open an investment account with our firm, as part of our standard service we will monitor your investments on an ongoing basis and will conduct account reviews at least annually. 
  • Investment Authority – We manage investment accounts on a discretionary basis whereby we will
    decide which investments to buy or sell for your account. We have discretion to select, retain or replace
    third-party managers to manage your accounts. You may limit our discretionary authority (for example,
    limiting the types of securities that can be purchased or sold for your account) by providing our firm with
    your restrictions and guidelines in writing. We also offer non-discretionary investment management
    services whereby we will provide advice, but you will ultimately decide which investments to buy and sell
    for your account. You have an unrestricted right to decline to implement any advice provided by our firm
    on a non-discretionary basis.  
  • Investment Offerings – We offer advice on equity securities, warrants, corporate debt securities (other
    than commercial paper), commercial paper, certificates of deposit, municipal securities, variable life
    insurance, mutual funds, exchange traded funds (“ETFs”), options contracts on securities, options
    contracts on commodities, United States government securities, money market funds, and real estate
    investment trusts (“REITs”) Additionally, we may advise you on various types of investments based on
    your stated goals and objectives. We may also provide advice on any type of investment held in your
    portfolio at the inception of our advisory relationship.
  • Account Minimums and Requirements – In general, we require a minimum account
    balance of $100,000 to open and maintain an advisory account. At our discretion, we may waive the
    minimum account balance. We may also combine account values for you and your minor children, joint
    accounts with your spouse, and other types of related accounts to meet the stated minimum. 

Key Questions to Ask Your Financial Professional 

• Given my financial situation, should I choose an investment advisory service? Why or Why Not? 

• How will you choose investments to recommend to me? 

• What is your relevant experience, including your licenses, education and other qualifications? 

• What do these qualifications mean?

What fees will I pay? 

The following summarizes the principal fees and costs associated with engaging our firm for investment advisory  services. For detailed information, refer to our Form ADV Part 2A, Items 5 and 6 by clicking this  link https://adviserinfo.sec.gov/firm/summary/297192. 

  • Asset Based Fees -Our asset-based fees for investment management ranges from 0.55% to 1.30% annually. This fee is collected on a monthly basis and calculated as a percentage of the value of the cash and investments in your account[s] that we manage. This presents a conflict of interest as we are financially incentivized to encourage you to place more assets in your advisory account as you will pay more in advisory fees.
  • Hourly Fees – Our hourly fees are at a rate of $200 per hour. Where you engage us on an hourly fee basis, at our discretion, up to 50% of our estimated hourly fee may be due and payable at inception, with any remaining balance due and payable upon completion of the requested advisory services. Any excess pre-paid fees paid based upon our initial time/cost estimate shall be returned to the client promptly upon completion of the engagement. Hourly fees are negotiable based on the nature and complexity of the services to be provided and the overall relationship with us. We provide you with an estimate for total hours and overall costs prior to engaging us for these services. ** Note: Hourly fees charged to Utah clients will not exceed $150 per hour.
  • Fixed Fees -Our fixed fees range between $300 and $3,000 and are negotiable and are agreed upon in advance. The fees are negotiable based on individual client circumstances and other factors, including, without limitation, the complexity and scope of the advisory services requested, the nature of the client’s financial circumstances, and the client’s investment objectives. We provide you with an estimate of the total cost prior to  engaging us for these services. Where you engage us on a fixed fee basis, at our discretion, up to 50% of our  fixed fee may be due and payable at inception, with any remaining balance due and payable upon completion of  the requested advisory services. 
  • Other Fees & Costs – In addition to our advisory fee, you will also be responsible for third party manager and/or platform fees, custody fees, account administrative and maintenance fees, other product-level fees associated with your investments, fees and expenses related to mutual funds and exchange traded funds, and applicable  securities transaction fees. 
  • Additional Information – You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. For more detailed information on our fees, please see Item 5 –  Fees and Compensation of our Form ADV Part 2A by clicking this link https://adviserinfo.sec.gov/firm/summary/297192. 

You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of  money you make on your investments over time. Please make sure you understand what fees and costs you are paying. 

Key Questions to Ask Your Financial Professional 

• Help me understand how these fees and costs might affect my investments. If I give you $10,000 to  invest, how much will go to fees  and costs, and how much will be invested for me?

• What are your legal obligations to me when acting as my investment adviser? How else does your firm make money and what  conflicts of interest do you have? 

 

When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the  same time, the way we make money creates some conflicts with your interests. You should understand and ask us about  these conflicts because they can affect the investment advice we provide you. Here are some examples to help you  understand what this means. 

  • Third-Party Payments- Persons providing investment advice on behalf of our firm are licensed as  independent insurance agents. These persons will earn commission-based compensation for selling insurance  products. Insurance commissions are separate and in addition to our advisory fees. This practice presents a  conflict of interest because they have an incentive to recommend insurance products to you for the purpose of  generating commissions rather than solely based on your needs. 
  • We are affiliated with The Bristlecone Approach, Inc., a tax preparation and tax filing firm through common control  and ownership. 
  • Because our revenue is derived from asset-based fees, we have an incentive to grow your account as much as  possible. This could cause us to take overly aggressive positions in conflict with your interests in an attempt to  grow your account, or could incentivize us to inflate the valuations of illiquid investments held in your  account. Refer to our Form ADV Part 2A Brochure by clicking this link to help you understand what conflicts exist. https://adviserinfo.sec.gov/firm/summary/297192

Key Questions to Ask Your Financial Professional 

• How might your conflicts of interest affect me, and how will you address them?

How do your financial professionals make money? 

Our financial professionals are compensated based on a percentage of the revenue earned from assets under  management. This means financial professionals have an incentive to increase the asset size in the relationship or solicit  new business, which can limit the financial professionals’ availability from time to time. 

Do you or your financial professionals have legal or disciplinary history? 

Yes. Visit investor.gov/crs for a free and simple search tool to research WealthGuard Advisors, Inc. and our financial professionals.

Key Questions to Ask Your Financial Professional 

• As a financial professional, do you have any disciplinary history? For what type of conduct?

You can find additional information about your investment advisory services and request a copy of the relationship  summary at 530-621-1111 or click the link provided https://adviserinfo.sec.gov/firm/summary/297192. 

Key Questions to Ask Your Financial Professional 

• Who is my primary contact person? 

• Is he or she a representative of an investment adviser or a broker-dealer? 

• Who can I talk to if I have concerns about how this person is treating me?

Account Monitoring – If you open an investment account with our firm, as part of our standard service we
will monitor your investments on an ongoing basis and will conduct account reviews at least annually. Investment Offerings – We offer advice on equity securities, warrants, corporate debt securities (other
than commercial paper), commercial paper, certificates of deposit, municipal securities, variable life
insurance, mutual funds, exchange traded funds (“ETFs”), options contracts on securities, options
contracts on commodities, United States government securities, money market funds, and real estate
investment trusts (“REITs”) Additionally, we may advise you on various types of investments based on
your stated goals and objectives. We may also provide advice on any type of investment held in your
portfolio at the inception of our advisory relationship.

Terms and Conditions

This website is a publication of WealthGuard Advisors, Inc. Information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed.

Some blog articles and certain content were prepared by a third-party provider. Content should not be viewed as personalized investment advice or as an offer to buy or sell, or a solicitation of any offer to buy or sell the securities discussed. A professional advisor should be consulted before implementing any of the strategies presented.

Hyperlinks on this website are provided as a convenience and we disclaim any responsibility for information, services or products found on websites linked hereto.

WealthGuard Advisors, Inc. is registered as an investment advisor with the Securities and Exchange Commission and only do business in states we have notice filed. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators nor does it indicate that the advisor has attained a particular level of skill or ability.

All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client’s investment portfolio.

This site uses cookies – small text files that are placed on your machine to help the site provide a better user experience. In general, cookies are used to retain user preferences, store information for things like shopping carts, and provide anonymized tracking data to third party applications like Google Analytics. As a rule, cookies will make your browsing experience better. However, you may prefer to disable cookies on this site and on others. The most effective way to do this is to disable cookies in your browser. We suggest consulting the Help section of your browser or taking a look at the About Cookies website which offers guidance for all modern browsers

WealthGuard Advisors Inc PRIVACY POLICY

WealthGuard Advisors Inc (the “Company”) is committed to protecting the privacy of its users. This Privacy Policy (“Privacy Policy”) is designed to help you understand what information we gather, how we use it, what we do to protect it, and to assist you in making informed decisions when using our Service. Unless otherwise indicated below, this Privacy Policy applies to any website that references this Privacy Policy, any Company website, as well as any data the Company may collect across partnered and unaffiliated sites.

For purposes of this Agreement, “Service” refers to the Company’s service which can be accessed via our website at https://www.wccbc.com/ or through our mobile application. The terms “we,” “us,” and “our” refer to the Company. “You” refers to you, as a user of Service.

I. CONSENT

By accessing our Service, you accept our Privacy Policy and Terms of Use, and you consent to our collection, storage, use and disclosure of your personal information as described in this Privacy Policy. In addition, by using our Service, or services across partnered and unaffiliated sites, you are accepting the policies and practices described in this Privacy Policy. Each time you visit our website, or use the Service, and any time you voluntarily provide us with information, you agree that you are consenting to our collection, use and disclosure of the information that you provide, and you are consenting to receive emails or otherwise be contacted, as described in this Privacy Policy. Whether or not you register or create any kind of account with us, this Privacy Policy applies to all users of the website and the Service.

II. INFORMATION WE COLLECT

We may collect both “Non-Personal Information” and “Personal Information” about you. “Non-Personal Information” includes information that cannot be used to personally identify you, such as anonymous usage data, general demographic information we may collect, referring/exit pages and URLs, platform types, preferences you submit and preferences that are generated based on the data you submit and number of clicks. “Personal Information” includes information that can be used to personally identify you, such as your name, address and email address.

In addition, we may also track information provided to us by your browser or by our mobile application when you view or use the Service, such as the website you came from (known as the “referring URL”), the type of browser you use, the device from which you connected to the Service, the time and date of access, and other information that does not personally identify you. We use this information for, among other things, the operation of the Service, to maintain the quality of the Service, to provide general statistics regarding use of the Service and for other business purposes. We track this information using cookies, or small text files which include an anonymous unique identifier. Cookies are sent to a user’s browser from our servers and are stored on the user’s computer hard drive. Sending a cookie to a user’s browser enables us to collect Non-Personal Information about that user and keep a record of the user’s preferences when utilizing our services, both on an individual and aggregate basis. The Company may use both persistent and session cookies; persistent cookies remain on your computer after you close your session and until you delete them, while session cookies expire when you close your browser. Persistent cookies can be removed by following your Internet browser help file directions. If you choose to disable cookies, some areas of the Service may not work properly.

III. HOW WE USE AND SHARE INFORMATION

Personal Information:

In general, we do not sell, trade, rent or otherwise share your Personal Information with third parties without your consent. We may share your Personal Information with vendors and other third-party providers who are performing services for the Company. In general, the vendors and third-party providers used by us will only collect, use and disclose your information to the extent necessary to allow them to perform the services they provide for the Company. For example, when you provide us with personal information to complete a transaction, verify your credit card, place an order, arrange for a delivery, or return a purchase, you consent to our collecting and using such personal information for that specific purpose, including by transmitting such information to our vendors (and their service providers) performing these services for the Company.

However, certain third-party service providers, such as payment processors, have their own privacy policies in respect of the information that we are required to provide to them in order to use their services. For these third-party service providers, we recommend that you read their privacy policies so that you can understand the manner in which your Personal Information will be handled by such providers.

In addition, we may disclose your Personal Information if required to do so by law or if you violate our Terms of Use.

Non-Personal Information:

In general, we use Non-Personal Information to help us improve the Service and customize the user experience. We also aggregate Non-Personal Information in order to track trends and analyze use patterns of the Service. This Privacy Policy does not limit in any way our use or disclosure of Non-Personal Information and we reserve the right to use and disclose such Non-Personal Information to our partners, advertisers and other third parties at our sole discretion.

IV. HOW WE PROTECT INFORMATION

We implement reasonable precautions and follow industry best practices in order to protect your Personal Information and ensure that such Personal Information is not accessed, disclosed, altered or destroyed. However, these measures do not guarantee that your information will not be accessed, disclosed, altered or destroyed by breach of such precautions. By using our Service, you acknowledge that you understand and agree to assume these risks.

V. YOUR RIGHTS REGARDING THE USE OF YOUR PERSONAL INFORMATION

You have the right at any time to prevent us from contacting you for marketing purposes. When we send a promotional communication to a user, the user can opt out of further promotional communications by following the unsubscribe instructions provided in each promotional e-mail.  Please note that notwithstanding the promotional preferences you indicate by either unsubscribing or opting out in the Settings section of the Site, we may continue to send you administrative emails including, for example, periodic updates to our Privacy Policy.

 

VII. LINKS TO OTHER WEBSITES

As part of the Service, we may provide links to or compatibility with other websites or applications. However, we are not responsible for the privacy practices employed by those websites or the information or content they contain. This Privacy Policy applies solely to information collected by us through the Service. Therefore, this Privacy Policy does not apply to your use of a third-party website accessed by selecting a link via our Service. To the extent that you access or use the Service through or on another website or application, then the privacy policy of that other website or application will apply to your access or use of that site or application. We encourage our users to read the privacy statements of other websites before proceeding to use them.

VIII. AGE OF CONSENT

By using the Service, you represent that you are at least 18 years of age.  

IX. CHANGES TO OUR PRIVACY POLICY

The Company reserves the right to change this Privacy Policy and our Terms of Use at any time. If we decide to change this Privacy Policy, we will post these changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it. Any such modifications become effective upon your continued access to and/or use of the Service five (5) days after we first post the changes on the website or otherwise provide you with notice of such modifications. It is your sole responsibility to check this website from time to time to view any such changes to the terms of this Privacy Policy. If you do not agree to any changes, if and when such changes may be made to this Privacy Policy, you must cease access to this website. If you have provided your email address to us, you give us permission to email you for the purpose of notification as described in this Privacy Policy.

X. MERGER OR ACQUISITION

In the event we undergo a business transaction such as a merger, acquisition by another company, or sale of all or a portion of our assets, your Personal Information may be among the assets transferred. You acknowledge and consent that such transfers may occur and are permitted by this Privacy Policy, and that any acquirer of our assets may continue to process your Personal Information as set forth in this Privacy Policy. If our information practices change at any time in the future, we will post the policy changes here so that you may opt out of the new information practices. We suggest that you check this Privacy Policy periodically if you are concerned about how your information is used. 

XI. EMAIL COMMUNICATIONS & OPTING OUT

We will send you Service-related announcements on occasions when it is necessary to do so. For instance, if our Service is temporarily suspended for maintenance, or a new enhancement is released, which will affect the way you use our Service, we might send you an email.  Generally, you may not opt-out of these communications, which are not promotional in nature.  Based upon the Personal Information that you provide us, we may communicate with you in response to your inquiries to provide the services you request and to manage your account. We will communicate with you by email or telephone, in accordance with your wishes.  We may also use your Personal Information to send you updates and other promotional communications. If you no longer wish to receive those email updates, you may opt-out of receiving them by following the instructions included in each update or communication.

XII. CONTACT US & WITHDRAWING CONSENT

If you have any questions regarding this Privacy Policy or the practices of this Site, or wish to withdraw your consent for the continued collection, use or disclosure of your Personal Information, please contact [email protected].

Last Updated: This Privacy Policy was last updated on April 2, 2024.