A Summary of Your Advisory Relationship with Polaris Wealth Advisory Group
Firm Introduction Polaris Wealth Advisory Group (“PWAG”) is registered with the Securities and Exchange Commission as an investment adviser. We provide comprehensive wealth management services to individuals, trusts, estates, charitable organizations, and businesses. Brokerage and investment advisory services and fees differ, and it is important for you to understand the differences. 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.
What investment services and advice can you provide me?
- 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?
- 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?
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.
How else does your firm make money and what conflicts of interest do you have?
- 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 paid a base salary, and may receive periodic bonuses based on revenue generated by relationships brought to the firm, and based on additional assets that transfer to the accounts each person services. There is the potential for periodic bonuses based upon the retention of client accounts.
Do you or your financial professionals have legal or disciplinary history?
Visit investor.gov/CRS for a free and simple search tool to research us and our financial professionals.
- As a financial professional, do you have any disciplinary history? For what type of conduct?
- 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?