About Vector Wealth Management

Wealth management has gotten complex. We have a unique process to make it simple. Vector Wealth Management was established in 1993 as a nationally Registered Investment Advisory firm. Today we manage over one billion dollars of client assets, providing personal guidance and a long-term, collaborative approach that reflects our clients' unique needs. We have authored and developed multiple financial software applications, including the proprietary SOJOURN® retirement income program. Our clients include those retired, approaching retirement, corporate executives with complex stock plans, professionals with high earning potential, and perhaps most uniquely-individuals with investment real estate. Clients of Vector Wealth Management can benefit from the following defining characteristics: - Fiduciary approach acting only and solely in the clients' interest - Proprietary wealth planning software application, SOJOURN® - Strategic, customized, tax efficient financial planning - Collaborative team approach with strong client relationships as a centerpiece - Disciplined investment process focusing on providing long-term liquidity, stability, and growth while managing volatility - Nearly three decades of guiding clients through life events with understanding knowledge and importantly the collective wisdom gained from its clients Ultimately, the firm seeks, through its proprietary application SOJOURN®, to help clients have an understanding and confidence around their financial lives that they have not experienced before.

General Information Firm CRD#:    152667 States Licensed in:    MN AZ CA FL IL LA NC ND PA TN TX WI States Willing to do Business in:    Afton,Andover,Anoka,Bayport,Cedar,Champlin,Chanhassen,Chaska,Circle Pines,Cottage Grove,Dayton,Excelsior,Farmington,Forest Lake,Hamel,Hanover,Hopkins,Houlton,Hugo,Inver Grove Heights,Lake Elmo,Lakeland,Lakeville,Long Lake,Loretto,Maple Plain,Mendota,Minneapolis,Minnetonka,Mound,Newport,Osseo,Plymouth,Prior Lake,Rogers,Rosemount,Saint Paul,Saint Paul Park,Savage,Shakopee,South Saint Paul,Spring Park,Stillwater,Vermillion,Victoria,Wayzata,Willernie,Wyoming,Serve clients throughout the United States Advisory Services Provided:    Tax Advice and Services, Financial Planning for Businesses, Education Funding and Planning, Retirement Planning, Estate Planning & Trusts, Investment Advice & Management

Qualifications & Memberships Certifications, Accreditations & Designations:    CFP® Financial Organization Memberships:    Financial Planning Association (FPA), American Institute of Certified Public Accountants (AICPA), National Association of Personal Financial Advisors (NAPFA), National Association of Estate Planners & Councils (NAEPC)

Firm Information Assets Managed by Firm:    $1 Billion Firm's Number of Clients:    900

Compliance Registered Investment Advisor:    Yes Investment Advisor Representative:    Yes Acknowledged fiduciary:    Yes

Compensation and Fees Fee % Based on Assets:    1% or less Additional Details on Charges:    0.85% over $1 million; 0.75% over $3 million; 0.65% over $5 million Fee Structure:    Fee-Based

Frequently Asked Questions

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

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

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.	How many clients do you currently manage?

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

Q.	Do you offer any guaranteed results?

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

Q.	What is your approach to financial planning?

Q.	What services do you offer?

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

Q.	How do you charge for your services?

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

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

Q.	What is your approach to 401 K plan rollovers?

Q.	How many 401K rollover clients do you currently manage?

Q.	Why should I roll over my 401K plan to your firm?

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Q.

Do you have a customer satisfaction or refund policy?

Vector does not have a written refund, however our advisor agreement can be ended with 30 days notice by either party. Vector gauges customer satisfaction by our retention ratio. We are very proud to have a retention ratio of over 95% and, prior to merging a smaller firm into us this year, our average client tenure was 10.4 years. The majority of Vector's original client base continues to trust Vector as their primary Wealth Advisor and have offered to be references.

Q.

What are your qualifications? What is your education background?

Vector Wealth Management adopts a team-based approach to financial services, recognizing that the best way to solve unique, complex financial challenges is to utilize multiple perspectives, resources, and areas of expertise. You will receive services from: an advisor a portfolio manager an advanced planning specialist Your relationship begins by the Vector team listening and developing a SOJOURN® wealth plan, a proprietary application and process which serves as your financial foundation for refined decision making.

Q.

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

Vector team members are all paid on salary, with a potential modest discretionary year-end bonus based significantly on client satisfaction. We do not receive commissions on any products or services we provide to you. Vector as a firm does not receive any commissions or revenue streams from any of the investment products we utilize. Our core philosophy is to be free of conflicts of interest for individuals and free of conflicts of interest for our firm. As a Registered Investment Advisor (RIA), Vector Wealth Management has adopted the fiduciary standard, acting only and solely in our clients interest. Of all RIAs in the United States approximately only 1.5% are true fiduciaries.

Q.

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

When you join us, we collaborate with you in building your SOJOURN® wealth plan which is fully integrated with the specific investment policy for the plan. Our approach is to develop the long term strategy prior to making any investment decisions. Once this strategy is in place and approved by you, Vector has discretion to implement and execute the strategy going forward. That said, some of our clients desire ongoing communications regarding portfolio changes - and we gladly do this for them.

Q.	How many clients do you currently manage?
Clients have trusted Vector Wealth Management with over $1 billion of assets under management representing 900 families.

Q.	Will you be the only person working with me?
Vector Wealth Management adopts a team-based approach. You receive services from an advisor, a portfolio manager, and an advanced planning specialist, enabling you to benefit from a range of skills and perspectives.

Q.

Do you offer any guaranteed results?

We do not guarantee results however we believe our client retention gauges customer satisfaction. We are very proud to have a retention ratio of over 95% and, prior to merging a smaller firm into us this year, our average client tenure was 10.4 years. The majority of Vector's original client base continues to trust Vector as their primary Wealth Advisor and virtually all have offered to be references.

Q.

How much risk should I be willing to take?

Vector's philosophy is that risk and reward should be managed through our Sojourn® wealth planning process. We believe you must first have an understanding of what you want your assets to do for you in the short-term (avoid risk) and the long-term (tolerate volatility). Too often risk and volatility are seen as the same; our process will help you separate these and place each where they belong and in a more precise (based on your financial life) amount.

Q.

What is your approach to financial planning?

TRUST. Our average client tenure is 10.4 years, perhaps the most telling statistic there may be - along with the point that virtually every client asked has offered to be a reference. The Vector team is diverse in its areas of expertise, and also has a common value shared by all-the desire and passion to serve. Vector has established written core values that are not something they aspire to, but rather, are a reflection of how they approach their work each day in serving the clients. Core values: 1. Commitment to clients and each other 2. Never compromise ethics and integrity 3. Prepare relentlessly 4. Continue to raise the bar 5. Humbly confident

Q.

What services do you offer?

Clients of Vector Wealth Management can benefit from the following defining characteristics: *Fiduciary approach -- acting only and solely in the clients' interest *Proprietary wealth planning software application, SOJOURN® *Strategic, customized, tax efficient financial planning *Collaborative team approach with strong client relationships as a centerpiece *Disciplined investment process focusing on providing long-term liquidity, stability, and growth while managing volatility *Nearly three decades of guiding clients through life events with understanding knowledge and importantly the collective wisdom gained from its client

Q.

Why should I choose you as my financial advisor?

Members of the Vector Wealth Management team hold certifications including CERTIFIED FINANCIAL PLANNER professional, CFP® professional, CFA Charterholder, Certified Public Accountant (CPA), Chartered Financial Consultant (ChFC®), Masters Degree in Financial Services (MSFS), Accredited Investment Fiduciary (AIF®), Accredited Asset Management SpecialistSM (AAMS®), and Registered ParaplannerSM. We invite you to get to know the members of the Vector Wealth Management team.

Q.	How do you charge for your services?
In keeping with our commitment to supporting trust between us, Vector Wealth Management maintains a transparent fee structure. Unlike other firms in the industry that charge fees on a tiered schedule where the first assets are always charged at the higher rate for that tier, Vector's fee schedule charges ALL assets under management at th

Q.

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

Clients have trusted Vector Wealth Management with over $1 billion of assets under management representing 900 families. We have a staff of 24 that work with our clients. Members of the team at Vector Wealth Management hold a vast array of professional designations, qualifying them to address a wide range of wealth planning issues and life event financial decisions. These designations include: " CFP® Certified Financial Planner " CFA Chartered Financial Analyst " CPA Certified Public Accountant " AIF® Accredited Investment Fiduciary " Masters in Financial Planning " CRPC Chartered Retirement Planning Counselor " and more...

Q.

What financial institution(s) do you represent?

None. Vector Wealth Management strives to be free of conflicts of interest and does not represent products or services from any financial institution or product company. We do not receive commissions on any products or services we provide to our clients. Vector as a firm does not receive any commissions or revenue streams from any of the investment products we utilize. Our core philosophy is to be free of conflicts of interest for individuals and free of conflicts of interest for our firm. We have custodial relationships for the safeguarding of our clients assets with Schwab and TD Ameritrade.

Q.

What is your approach to 401 K plan rollovers?

Prior to rolling over a 401k Plan or any other company retirement plan, we first analyze the costs and benefits of moving from a 401k plan to an IRA in coordination with the client's overall SOJOURN® wealth plan. On occasion this involves reviewing the potential for Net Unrealized Appreciation opportunities. In some circumstances it is better to leave the 401k plan with the company. Critical factors are cost differential, ability to transact effectively with other assets needed to create an income stream and magnitude of qualified assets relative to other holdings. These factors are then discussed with you to discern the best course of action to take.

Q.	How many 401K rollover clients do you currently manage?
Clients have trusted Vector Wealth Management with over $1 billion of assets under management representing 900 families. We don't track the number of 401k rollovers and cannot provide a specific number but the vast majority of our clients have completed a company retirement plan rollover and in some cases have completed multiple company plan rollovers to IRAs with Vector.

Q.

Why should I roll over my 401K plan to your firm?

Trust of our clients and the need to fully integrate all investment assets into your plan. As mentioned above, prior to merging with a younger firm this year, our average client tenure was 10.4 years, perhaps the most telling statistic there may be - along with the point that virtually every client has offered to be a reference. Vector Wealth Management is an independent investment advisory firm with over one billion dollars in managed assets. Vector will provide a deep range of wealth management services for you.