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Before authorizing a transfer, verify the manager and firm, define exactly what service and decision authority you are receiving, calculate every layer of cost in dollars, uncover investment-selection conflicts, and confirm which holdings can move without being sold. Read the firm’s Form CRS, Form ADV Part 2 brochure (when applicable), fee schedule and agreement, then obtain account-specific transfer and tax information from both firms.
Start with the decision you are actually making
“Wealth manager” is a marketing description, not a single legal account type. The proposed relationship may be an investment advisory account, a brokerage account, or both. Those arrangements can differ in who makes decisions, how often the account is monitored, what products are available and how the firm is paid. Your first objective is to turn the sales conversation into a precise description of the service.
- List the accounts and holdings you are considering moving, including cash, mutual funds, exchange-traded funds, individual securities and any employer or retirement assets.
- Write down what you want help with: ongoing portfolio management, occasional recommendations, financial planning, trading execution, retirement-income planning or something else.
- Ask what authority the manager would have. Will you approve every trade, or can the firm make investment decisions without asking you first?
- Set a requirement that every material answer appear in the written agreement or disclosure documents, not only in a meeting.
This preparation prevents a common mistake: comparing two firms by reputation or a single percentage fee when they are offering fundamentally different services.
1. Verify registration, identity and disciplinary history
Ask the person and the firm
Ask, “Are you registered with the SEC, a state securities regulator, or FINRA?” Then check both the individual and the firm through Investor.gov. A person’s title, certifications or years in the industry do not substitute for verifying the legal entity that will advise you or hold your account.
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Request the latest Form CRS. For an advisory relationship, request Form ADV Part 2 (the firm brochure) and the brochure supplement for the specific adviser where relevant. These documents describe services, fees, conflicts, standards of conduct and disciplinary information in a format designed for comparison.
Investigate matters rather than relying on a clean-sounding summary
Ask whether the adviser or firm has disciplinary events, customer complaints, regulatory actions or arbitration matters. If a matter appears in a public record, ask what happened, how it was resolved and whether controls or personnel changed afterward. Record the explanation and compare it with the disclosures; an answer that conflicts with the filed documents requires clarification before you proceed.
Documents to obtain before you agree
- Current Form CRS for the relationship being proposed.
- Form ADV Part 2 brochure and applicable brochure supplement for advisory services.
- The advisory or brokerage agreement, including any discretionary-authority language.
- A complete fee schedule, including account, transaction, custody and transfer charges.
- Any product-specific prospectus or disclosure you would receive before investing.
2. Define the service, authority and monitoring
Clarify the account type
Ask directly: “Will this be an advisory account, a brokerage account, or both?” Have the representative explain how each arrangement is delivered and paid for, and why the proposed arrangement fits the service you need. If both are involved, ask which assets or transactions fall under each agreement.
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Use these questions:
- “What will you do for me after the account is opened?”
- “Who makes investment decisions, and what decisions require my approval?”
- “How will my account be monitored, and how often will you contact me?”
- “What events trigger a review or a recommendation to change the portfolio?”
Ask whether monitoring is continuous, periodic or only performed when you request it. Ask for the name and role of the person who actually reviews your account, not only the name of the relationship manager.
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Check limits that could affect your portfolio
Request the account minimum, investment restrictions and product limits in writing. Confirm whether the firm can hold your existing securities, whether it requires a particular mix of products, and whether certain securities, account types or outside investments are excluded. The written agreement should match the representative’s description of discretion, monitoring and restrictions.
3. Calculate the total cost in dollars
Ask for a dollar illustration based on your transfer
Ask, “Show me every fee in dollars using the amount I plan to transfer.” A percentage-based advisory fee is only one component of cost. Ask the firm to identify the dollar amount for the first year and explain whether each charge is recurring, transaction-based or one-time.
Separate the layers of cost
| Cost layer | Question to ask | What to verify |
|---|---|---|
| Firm compensation | How does your firm get paid? | Asset-based percentage, fixed fee, hourly charge, commission, transaction fee or a combination. |
| Investment expenses | What does each recommended investment cost? | Expenses charged inside funds or other products, separate from the firm’s fee. |
| Account and custody charges | Are there account, custody, statement or other administrative fees? | Amount, billing frequency and whether the charge is waived at a certain balance. |
| Trading and transaction charges | What will I pay when securities are bought or sold? | Per-transaction charges, commissions or other execution-related costs. |
| Transfer and closing charges | Will either firm charge to transfer or close the account? | Outgoing and incoming fees, termination charges and charges for moving particular assets. |
| Wrap arrangement | If this is a wrap fee, what exactly is included? | Which advisory, brokerage and related costs are covered and which remain separate. |
Ask whether fees are calculated on cash, securities or total account value, and when they are deducted. If the fee changes at balance thresholds, request the breakpoints in writing. A low headline percentage can still produce a higher total cost when investment expenses, transactions or account charges are added.
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4. Understand investment selection and conflicts
Ask how recommendations are produced
Use the SEC’s direct conversation starters: “How will you choose investments to recommend to me?” and “How might your conflicts of interest affect me, and how will you address them?” Ask what information about your objectives, risk tolerance, time horizon and restrictions is used, and how often that information is updated.
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Look for incentives and product limits
Ask whether the firm offers proprietary or “house” products, receives compensation from product providers, has revenue-sharing arrangements or has other incentives that could influence recommendations. Ask whether comparable products outside the firm’s platform can be considered and what happens when an outside option costs less or has different features.
Compare the answers with Form CRS, Form ADV disclosures and any product documents. A conflict disclosure is not a conclusion that the service is unsuitable; it is a prompt to ask how the conflict could affect your choices, what controls apply and whether you can obtain an alternative.
Test the process with a real holding
Choose one current investment and ask what the manager would do with it, why, and what costs or tax issues could result. This reveals whether the firm’s process starts with your circumstances or with a limited shelf of products. Do not authorize a sale merely to fit a model portfolio until you understand the consequences.
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5. Map the transfer before authorizing it
Ask which assets can move in kind
Ask, “Which of my current holdings can transfer in kind?” Request an asset-by-asset answer from both the current and receiving firms. “In kind” means the holdings move without being sold; whether that is possible depends on the specific security, account registration and receiving platform.
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Identify anything that must be sold
For every holding that cannot move as held, ask:
- What event causes the sale, and who will place the order?
- What transaction or closing fee applies?
- What price uncertainty or time out of the market should I understand?
- Will the sale create a taxable gain or loss in this account?
- Will changing the account type or registration create a separate tax issue?
SEC investor guidance warns that moving firms or changing account types can involve fees, sales and tax consequences. It does not establish one universal transfer timetable or guarantee that a particular holding is transferable. Get the actual answer for your account and holdings rather than relying on a standard estimate.
Coordinate both firms
Ask the current firm for outgoing fees, restrictions and required paperwork. Ask the receiving firm what it can accept, what it will reject and how rejected or restricted assets will be handled. Request a written list of assets that will arrive, assets that will be sold and assets that require your separate instruction. Do not sign until the two lists agree.
Separate investment advice from tax advice
The manager can identify a proposed sale, but that does not make the manager your tax adviser. Before authorizing a taxable sale, ask a qualified tax professional how gains, losses, basis, account type and timing may affect you. Keep the transfer documents and trade confirmations with your tax records.
6. Evaluate the people and ongoing service
Confirm who will serve you
Ask, “Who will be my primary contact?” Record the person’s name, role, licensing or qualifications and who covers the account during absences. Ask how often you can expect reviews, how quickly routine questions are answered and where to raise a complaint.
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Test relevant experience
Ask what experience the team has with people in circumstances like yours. “Relevant” should mean the type of accounts, complexity, income needs, liquidity needs or restrictions you actually have, not merely a number of years in the industry. Verify qualifications and investigate disciplinary history independently instead of relying on titles.
Define escalation and service boundaries
Ask who can explain a fee, correct an account error or handle a conflict. Find out whether service is provided by the named adviser, a centralized team or a rotating group. Ask what happens if your adviser leaves the firm and whether you can decline a replacement or move without an additional charge.
Use a written comparison scorecard
Interview candidates with the same questions and record answers in the same order. A simple scorecard keeps an attractive presentation from outweighing material differences.
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|---|---|
| Registration and record | Regulator, firm and individual checked; disciplinary matters and explanations. |
| Service and scope | Advisory, brokerage or both; planning included; account minimums; product restrictions. |
| Decision authority | Your approval required or discretionary authority; monitoring frequency and triggers. |
| Total cost | First-year dollar estimate, recurring charges, investment expenses, transaction, custody and transfer fees. |
| Investment process | How recommendations are selected; range of available products; review process. |
| Conflicts | Proprietary products, incentives and how each conflict is addressed. |
| Transfer impact | Holdings moving in kind, required sales, fees and tax questions to resolve. |
| People and access | Primary contact, relevant experience, qualifications, response and complaint channels. |
Mark an item “not answered” rather than filling the gap with an assumption. A candidate who will not provide a clear written answer has not completed your due diligence.
Authorization checklist and warning signs
Before you sign
- Verify the individual and firm through Investor.gov and review the latest regulatory disclosures.
- Read Form CRS and, for advisory services, Form ADV Part 2 and the applicable brochure supplement.
- Match the agreement to the promised service, authority, monitoring and restrictions.
- Obtain a dollar-based estimate of every fee, including investment-level expenses.
- Get an asset-by-asset transfer plan from both firms, identifying in-kind movements and required sales.
- Resolve tax questions with a qualified tax professional before authorizing a sale or account change.
- Save signed agreements, disclosures, fee schedules, transfer instructions and written answers.
Pause when you see these signals
- Pressure to transfer immediately or to sign before receiving disclosures.
- A percentage fee with no dollar example or no explanation of investment and account-level charges.
- Vague answers about who controls the account, how it is monitored or what products are available.
- Reluctance to discuss proprietary products, incentives, complaints or disciplinary matters.
- Assurances that every holding will transfer or that there will be no tax consequences without an asset-specific review.
A pause is not a decision against the manager; it is a decision to obtain the information needed to authorize a consequential account move knowingly.
Questions to take into the meeting
Print or save this condensed script:
- Are you and your firm registered with the SEC, a state securities regulator or FINRA, and where can I verify that?
- Will this be an advisory account, a brokerage account or both?
- What will you do for me, who makes decisions and how will you monitor the account?
- What are the account minimums, investment restrictions and product limits?
- Show me every fee in dollars using the amount I plan to transfer. How does your firm get paid?
- What do the investments cost, and are there custody, transaction, account or transfer charges?
- How will you choose investments to recommend to me?
- How might your conflicts of interest affect me, and how will you address them?
- Which holdings can transfer in kind, which must be sold and what fees or tax consequences should I discuss?
- Who will be my primary contact, what relevant experience and qualifications do you have, and whom do I contact if I have a concern?
Only authorize the move when the answers, disclosures and agreement tell the same story and the transfer consequences are specific to your accounts and holdings.
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