W3 Wealth Advisors provides financial planning services, helping clients with retirement, education, estate, tax, and insurance needs. W3 also helps clients select asset managers through Valmark Advisers Inc.'s managed account program. W3 does not directly manage assets. Financial plans can be comprehensive or focus on specific areas. W3 may recommend investment or insurance products. W3 works with other professionals like lawyers and accountants to coordinate financial planning.
Fee Structure
W3 Wealth Advisors does not directly manage investments. Instead, they recommend managed account programs through Valmark Advisers, Inc., where fees are described in Valmark's brochure. These programs may allocate assets to different funds or portfolio managers. Clients may pay custodial, transaction, or account maintenance fees, but W3 does not share in these fees. Clients can buy securities outside these programs without incurring program fees.