Business Description
Summit Wealth Management operates on a fee-only basis. We do not sell any investment or insurance products and we do not receive commissions for products that are recommended. The fee-only approach to wealth management means you receive impartial, objective advice to eliminate potential conflicts of interest. In addition, we acknowledge a fiduciary responsibility to you, the client, and as such, we pledge to place your needs first in all that we do. I am one of a few NAPFA registered financial advisors in San Antonio and South Texas.
General Information Gender:    Male CRD#:    2512711 Firm CRD#:    104820 Name of Custodial Firm:    TD Ameritrade States Licensed in:    All States Willing to do Business in:    All Years of Experience in Financial Services:    15 Number of Years with Current Firm:    3 I work with the following types of clients:    Individual Investors
Education Academic Background   BA, Economics - The University of Texas, Austin
Services Investment Types:    Exchange Traded Funds (ETFs), Bonds, Stocks, Annuities, Insurance, Commodities, Mutual Funds, Options & Futures, Alternative Investments, Mortgages & Real Estate, Socially Responsible Investments (SRI)
Qualifications & Memberships Certifications, Accreditations & Designations:    CERTIFIED FINANCIAL PLANNER™ Certificant, Accredited Investment Fiduciary® (AIF) Securities Licenses:    Series 66 Financial Organization Memberships:    Financial Planning Association (FPA), National Association of Personal Financial Advisors (NAPFA)
Firm Information Number of Advisors in Office:    10 - 99 employees I work with clients as part of a team:    Yes Assets Managed by Firm:    Yes
Compliance Registered Investment Advisor:    Yes Investment Advisor Representative:    Yes I am an acknowledged fiduciary:    Yes Compliance Disclosures in Last 5 years:    I have a clean record Criminal Disclosures in Last 5 years:    I have a clean record
Compensation & Fees I am a fee-only financial professional:    Yes Minimum Portfolio Size for New Managed Accounts:    250,000.00 Compensation Methods:    Based on Assets, Flat Fee Fee % Based on Assets:    1 Additional Details on Charges:    We charge on a fee schedule, which ranges between 0.65% and 1.2% of investment assets.
Prepared By:	John M. Eaton, CFP®

Frequently Asked Questions

Q.	Do you have a customer satisfaction or refund policy?

Q.	What are your qualifications? What is your education background?

Q.	What is your approach to financial planning?

Q.	What services do you offer?

Q.	How many clients do you currently manage?

Q.	Will you be the only person working with me?

Q.	How are you compensated? How will I pay for your services?

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Q.	Do you offer any guaranteed results?

Q.	How much risk should I be willing to take?

Q.	Have you ever been charged with any breaches?

Q.	What services do you provide? What are your specialties?

Q.	What is your experience? How many clients do you currently manage?

Q.	What financial institution(s) do you represent?

Q.	How do you charge for your services?

Q.	Do you provide a free initial consultation?

Q.	Why should I choose you as my financial advisor?

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Q.	Do you have a customer satisfaction or refund policy?
We do have a customer satisfaction policy.

Q.	What are your qualifications? What is your education background?
I am a Certified Financial Planner™ practitioner since 1999 and have a degree in economics from The University of Texas.

Q.	What is your approach to financial planning?
We believe a comprehensive approach that considers all areas of your financial situation results in the best financial plan.

Q.	What services do you offer?
Retirement, education, and insurance planning, tax planning and tax preparation and investment management.

Q.	How many clients do you currently manage?
We have approximately 120 clients between 2 advisers but due to the level of service we provide we will cap our clients at 200 or 100 per adviser.

Q.	Will you be the only person working with me?
I will be the primary advisor as well as financial planner but will also have access to our staff of seven which includes over 100 years of experience.

Q.	How are you compensated? How will I pay for your services?
We are a fee-only advisor which should not be confused with fee based. We are only paid by the client in order to avoid the conflicts of interest that plague traditional brokers/advisors.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
We can work on both a discretionary as well as non-discretionary basis.

Q.	Do you offer any guaranteed results?
No.

Q.	How much risk should I be willing to take?
The amount of risk you take is based on your risk tolerance as well as your financial plan.

Q.	Have you ever been charged with any breaches?
No.

Q.	What services do you provide? What are your specialties?
Retirement, education, and insurance planning, tax planning and tax preparation and investment management. Each client receives and custom asset allocation by using DFA mutual funds, individual bonds, and alternative investments where appropriate.

Q.	What is your experience? How many clients do you currently manage?
I am a Certified Financial Planner™ practitioner since 1999 and in the financial services business since 1994. Most recently as a advisor in New York where I co-managed over $250 million for clients worldwide.

Q.	What financial institution(s) do you represent?
None. We are a RIA and have a fiduciary responsibility to the client and not a financial institution.

Q.	How do you charge for your services?
Assets Under Management (AUM)

Q.	Do you provide a free initial consultation?
Yes.

Q.	Why should I choose you as my financial advisor?
We are a fee-only financial advisor and are one of only a few who have been approved for membership in the National Association of Personal Financial Advisors (NAPFA) in San Antonio. We use a comprehensive approach to financial planning and have over 100 years of experience in our 7 person office.