Protection against life’s ups and downs.

We'll help ensure that the roadblocks you encounter won't derail your plans.

Keeping you on track no matter what life throws at you.

Low Fees

High fees eat away at your wealth over time. We strive to lower your investment and management fees - ultimately meaning more money in your pocket.

On-going Financial Planning

For retirees who need their investment portfolios to last, we look at how can we increase your portfolio’s yield - or income - without increasing risk.

No Minimums

Rising healthcare costs and longevity are a major concern for retirees today. Learn ways that you can protect yourself and your assets against long-term healthcare-related costs.

Fee-Based

Increase your employee retention by providing them with comprehensive and quality benefits, such as health, dental, vision, disability, and/or life insurance.

Investment Philosophy & Strategies

In order to avoid conflicts of interest and to ensure further regulatory security of our clients’ assets, we utilize a trusted third-party custodian to hold all of our clients’ assets.

In addition to our in-house proprietary investment management strategies, we also implement strategies and research from some of the world’s leading asset managers to help our clients achieve their financial and investment needs and goals.

Protecting Clients Assets

For enhanced security and protection, Meritum Wealth Management does not directly hold clients’ securities and assets. Instead, we use Altruist as our third-party custodian. A custodian is a specialized financial institution (typically, a regulated entity with granted authority like a bank) that holds customers' securities for safekeeping in order to minimize the risk of their misappropriation, misuse, theft, and/or loss. Below, you can read some of the ways that Altruist and Meritum Wealth Management protect your hard-earned savings.

Securities Investor Protection Corporation (SIPC)

Altruist Financial LLC is a member of SIPC, which means securities held in your brokerage account are protected up to $500,000 (including $250,000 for claims for cash). Explanatory brochure is available upon request or at www.sipc.org.

Excess of SIPC Coverage Llyod’s of London

In addition, Altruist Financial LLC carries an excess SIPC policy with underwriters at Lloyd’s of London, which extends the per-account coverage by an additional $40 million (with a cash sub-limit of $2 million), subject to an aggregate limit of $150 million across all Altruist accounts. Stock loan transactions, as well as certain mutual funds, may not be covered by the excess SIPC bond.

Altruit’s Asset Protection Guarantee

In the event a client’s cash and/or securities are lost due to unauthorized activity, Altruist Financial LLC will reimburse such losses, so long as a handful of security measures and contact information are maintained (e.g., unique password, two-factor authentication, etc.). More information about the Asset Protection Guarantee can be found at altruist.com/security.

Bank Sweep Program

Altruist Financial LLC’s Bank Sweep Program provides you the ability to automatically “sweep” uninvested cash balances in your account into Federal Deposit Insurance Corporation (“FDIC”) insured bank deposit accounts between multiple FDIC-insured banks (“Participating Banks”). Cash swept into an interest-bearing account at a Participating Bank is federally insured up to applicable FDIC limits up to the Program’s $1 Million limit in the event of a bank failure. Although the Bank Sweep Program’s network of FDIC-insured Participating Banks provides you access to increased FDIC coverage, FDIC coverage limits are $250,000 for all deposits (checking, money market, savings, CDs, etc.) per depositor, per insured bank, for each account ownership category. Coverage is subject to conditions, see www.fdic.gov for additional account category and coverage information.

Disclosure: Neither SIPC protection nor excess SIPC coverage provides protection against market losses. Once funds are swept into an interest-bearing account they are held at an FDIC member bank and, accordingly, they are protected by FDIC insurance. They are not covered by SIPC or by Lloyd’s of London. For more information on the Altruist Bank Sweep Program, please review the Altruist Bank Sweep Program Disclosure Statement available at altruist.com/legal. Neither Altruist Financial LLC nor any of its affiliates is a bank.

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