MAKING IT EASIER FOR YOU

 

Flexible Meeting Locations

No stuffy waiting rooms, long drives to an office, or difficulty parking. We get together either by phone, by videoconference, or in person at a location convenient to you (in the Austin, TX area).

Prompt Responses

Every call, text, and email receives a prompt response directly from me (no call centers or gatekeepers!). Almost all responses come within 1 business day.

Family and Friends Welcome

I understand that you may feel vulnerable and want an additional pair of eyes on our work. I am comfortable with you involving a child, sibling, or trusted friend in our meetings.

Genuine Concern

My interests extend beyond picking investments and monitoring your net worth. I care about my clients and always strive to deliver service I would want family or friends to receive.

Respect

My role does not include judging your past decisions, but using that as the building materials for the future. Your questions are valid and will be answered without condescension.

Positivity

Motivating people with fear tactics may work in the short-term but it cannot last. A good relationship shows you opportunities and possibilities, and new perspectives and ways of looking at things.

 

Join all the cool ladies who receive periodic emails with content useful to divorced and widowed women!

 

FREQUENTLY ASKED QUESTIONS

 

III Financial (pronounced “Three Financial”) comes from a couple of different places. The obvious one is a personal one – I’m named after my dad Elliott Weir, Jr., which makes me a “third”.

 

The other reason is because of a writing concept called the “Rule of Three“. It suggests that things presented in threes are more satisfying or effective than when presented in other numbers. The Latin phrase, “omne trium perfectum” (everything that comes in threes is perfect) conveys the same idea. When reading through this website, see how many times concepts or ideas are presented in groups of three – it just makes things clearer!

By working with a limited number of clients, a physical office is an unnecessary waste for my firm. Why should I create high overhead costs only to give you the “luxury” of wasting time in traffic to meet? Instead, we can meet where it is convenient to you, and even via teleconferencing if you want!

III Financial, LLC is a registered investment advisor (RIA) with the state of Texas Securities Board. I can take on new clients residing anywhere in the United States.

In order to fully address the client’s financial needs, I often identify areas that should be addressed by other professionals such as a CPA or attorney. I am more than happy to provide referrals to clients when assistance is needed.

 

I do not require my clients to work with specific professionals, especially if there is an existing relationship. In those instances, I will contact the other professionals (with your permission) to establish a dialogue with them.

I do not accept nor pay any referral fees to the professionals I recommend – it is based solely on my confidence in them to provide quality service to you.

There are a lot of different ideas on the “right way” to invest money for the future. Over the years I’ve studied active investing vs. passive investing, investing in the USA versus abroad, investment techniques of the Ivy League endowments, and countless other strategies and theories. Though managing investments can be complicated, there are a few key tenets that I incorporate into the portfolios I manage:

  • Stock market forecasts, “hot stock tips”, and other predictions serve no purpose to a prudent investor.
  • Portfolios should be designed using proven evidence on how markets behave, allowing the markets to work for you.
  • Investment expenses should be minimized to keep more money in the investor’s pocket (but “cheapest” is not always best!)
  • Helping investors stay disciplined in the face of fear and greed adds significant value.

III Financial does not take custody of your funds.  They are held at custodians who are insured by the Securities Investor Protection Corporation (SIPC). All of your assets are held in your name or in entities you created (i.e. trusts). Neither the custodian nor III Financial can distribute money from your accounts without your permission and knowledge. Please note that your investments can and will fluctuate in value based on the investments made.

The media has put the spotlight on the value of having your adviser be a “fiduciary” – the legal and ethical obligation to put your interests first. For some companies, the new Department of Labor rules have required significant changes to their business practices, compensation, and relationships with their clients.

Adhering to this higher fiduciary standard is nothing new for me – I have always had this high standard in place for all of my clients.

This means that my sole focus is on your financial needs and goals, and how I can best help you reach them.

 

III FINANCIAL SERVICE PLANS

 

NOTE: Service level pricing varies based on complexity and assets involved.

What Most Advisers Charge

$1,000,000 of assets with the median adviser costs $830/month in adviser fees + $540/month in fund fees.

$2,000,000 of assets with the median adviser costs $1415/month in adviser fees + $1080/month in fund fees.

My fees below do not include the fund fees, but those are much lower than average as well (most portfolios cost 0.20%-0.25%/year).

all-in-advisor-fees
Silver
$299-$499/mo**(equivalent to 0.29%-0.49% for $1M)

Objective Advice / No Product Sales

Asset Management

Evidence-Based Asset Allocations

Account Rebalancing

Tax Harvesting

24×7 On-Line Account Portal

Maximum of 3 accounts

Insurance Need Evaluation*

Financial Plan

Estate Planning*

Beneficiary Maintenance

1 Review Meeting / Year

Gold
$399-$899/mo**(equivalent to 0.39%-0.89% for $1M)

Objective Advice / No Product Sales

Asset Management

Evidence-Based Asset Allocations

Account Rebalancing

Tax Harvesting

24×7 On-Line Account Portal

Maximum of 5 accounts

Inherited IRAs

Stock Option Analysis

Insurance Need Evaluation*

Life Insurance

Disability Income Insurance

Long-Term Care Insurance

Health Insurance / Medicare

Financial Plan

Goal Planning / Tracking

Retirement Income Creation

Social Security Maximization

Estate Planning*

Beneficiary Maintenance

2 Review Meetings / Year

Platinum
$499-$999/mo**(equivalent to 0.49%-0.99% for $1M)

Objective Advice / No Product Sales

Asset Management

Evidence-Based Asset Allocations

Account Rebalancing

Tax Harvesting

24×7 On-Line Account Portal

Unlimited # of accounts

Inherited IRAs

Stock Option Analysis

Roth IRA Conversions

Insurance Need Evaluation*

Life Insurance

Disability Income Insurance

Long-Term Care Insurance

Health Insurance / Medicare

Financial Plan

Goal Planning / Tracking

Retirement Income Creation

Social Security Maximization

Estate Planning*

Beneficiary Maintenance

Trust Account Administration

Asset Protection Strategies

Gifting Strategies

3+ Review Meetings / Year

* I do not sell insurance nor practice law; we will work with other trusted professionals as needed.
** Billed from a designated investment account. Together we review the client fee every 2 years to determine if any changes in the fee are appropriate.

 
 
 

Ready to talk? Click the button below, or call me directly at 512-562-1905!