Frequently Asked Questions
What makes Lindsey Wealth Management unique?
Our people make us unique. We believe that no one cares how much you know until they know how much you care. Anyone can invest your money, but the difference lies in listening, understanding, and giving you the best advice. Education and expertise matter—but we believe sound advice, rooted in care and discipline, will always be more valuable than investments alone.
Are you a fiduciary?
Yes. As a fiduciary, we are legally and ethically obligated to put your interests ahead of our own. We disclose all fees, compensation, and any potential conflicts of interest. Unlike brokers or dealers who may earn commissions from selling certain products, we operate on a transparent fee-only structure. Our only incentive is helping you reach your financial goals.
What licenses, credentials, or certifications do you have?
Our team holds multiple advanced designations, including:
CERTIFIED FINANCIAL PLANNER™ (CFP®)
Chartered Financial Consultant® (ChFC®)
Retirement Income Certified Professional® (RICP®)
Accredited Estate Planner® (AEP®)
Chartered Advisor for Senior Living® (CASL®)
Accredited Asset Management Specialist® (AAMS®)
Accredited Wealth Management Advisor® (AWMA®)
What services do you provide?
We offer comprehensive investment management and financial planning. This includes risk-based portfolio construction, retirement income strategies, tax-aware planning, estate and legacy guidance, and insurance planning to protect against unforeseen risks.
How do you charge for your services?
We are a Fee-Only Registered Investment Advisor, which means our compensation comes directly from our clients—not commissions or product sales. You will only be billed once you sign a contract for either investment management or financial planning.
Our fees are billed quarterly in arrears, based on your average daily account balance, and prorated for the quarter. We strive to keep your all-in cost below 2%, which includes our management fee, trading costs, and the internal expenses of exchange-traded funds (ETFs).
Tiered Billing Fee Schedule
Assets Under Management
Annual Fee
$0 – $100,000
1.80%
$100,000 – $500,000
1.60%
$500,000 – $1,000,000
1.50%
$1,000,000 – $2,500,000
1.25%
$2,500,000 – $5,000,000
1.15%
$5,000,000 – $20,000,000
1.00%
$20,000,000+
0.75%
Note: Fees are calculated on a tiered basis per household. Each portion of household assets is billed at the corresponding rate for that tier—not a flat rate across the entire portfolio.
Example: $750,000 Household Portfolio
Here’s how fees would be calculated on $750,000 in household assets using our tiered structure:
First $100,000 at 1.80% = $1,800
Next $400,000 (from $100,000 to $500,000) at 1.60% = $6,400
Remaining $250,000 (from $500,000 to $750,000) at 1.50% = $3,750
Total Annual Fee = $11,950
That works out to an effective blended rate of ~1.59%.
Since fees are billed quarterly in arrears, this would equal $2,987.50 per quarter.
Do you provide Investment Policy Statements?
Yes. This document outlines your objectives, risk tolerance, and investment guidelines, giving both you and us a clear roadmap for decision-making.
What is your investment philosophy?
Our number-one rule is simple: try not to lose money. We focus on risk management as the foundation of investing. By proactively monitoring risk and, when appropriate, shifting assets to cash, we aim to minimize losses while positioning portfolios for long-term growth.
How do you decide when to sell an investment?
This is one of the most important questions clients should ask. At Lindsey Wealth Management, we don’t rely on emotion or market headlines. Instead, we follow a disciplined, rules-based process to determine when to sell. This allows us to manage risk and protect gains consistently over time.
What happens if the market goes down?
Market volatility is a normal part of investing. Our disciplined, risk-based approach—combined with diversification, rebalancing, and cash management—helps minimize losses and keeps your portfolio aligned with your long-term goals, even during downturns.
Do you provide tax planning or work with CPAs?
Yes. We take a tax-aware approach to investing and planning. While we do not prepare tax returns, we coordinate closely with your CPA or tax professional to align strategies such as tax-loss harvesting, Roth conversions, and distribution planning.
Do you provide retirement income planning?
Yes. For retirees and those approaching retirement, we design income strategies that balance growth with stability. This includes withdrawal strategies, Social Security timing, and aligning investments with your lifestyle needs.
Do you help with insurance?
Yes. We provide insurance planning as part of a holistic financial plan. We analyze your needs for life, disability, and long-term care coverage, and provide independent guidance so you don’t end up over- or under-insured.
What are your minimum account levels?
We welcome accounts of all sizes.
What are the returns on your portfolio?
We don’t offer a one-size-fits-all portfolio. Every client’s portfolio is custom-built based on their goals and risk tolerance. As such, returns will vary depending on your individual strategy and comfort level with risk.
How often will we meet?
We believe communication is essential. Typically, we schedule formal reviews at least once per year, but many clients prefer quarterly or semi-annual check-ins. In addition, we’re available whenever you have questions or when your financial situation changes.
Do you work with clients outside of Indiana?
Yes. While our office is located in Vincennes, Indiana, we serve clients across the United States. Meetings can be held in-person, by phone, or virtually through secure video conferencing.
What happens if something happens to you?
Continuity matters. We have procedures in place to ensure your accounts, plan, and investments are not disrupted. Lindsey Wealth Management is structured to provide ongoing service and support regardless of life circumstances.