Still have questions? Get in touch with Mark:
Yes. Dunes Financial is an independent Registered Investment Advisor, legally required to put your interests ahead of our own. We do not sell commission-based products, accept payments or profit-sharing from third parties, or earn fees in any way other than directly from our clients.
Dunes Financial has partnered with Charles Schwab to custody our clients’ investments. Schwab custodies over $10 trillion in assets across more than 36 million active accounts. (Source: www.aboutschwab.com)
You will receive monthly statements from Charles Schwab and have 24/7 access to your accounts through a secure online login.
When we set up your accounts at Charles Schwab, we’ll link your checking or savings account using a MoneyLink form. This allows us to send you ACH transfers at no cost, typically arriving within 1–2 business days.
You can request a distribution anytime, and we’ll determine the best account to pull from based on your plan and tax considerations.
Many clients set up recurring distributions on the 15th and 30th of each month to create a reliable retirement paycheck.
We believe a flat fee is a better approach than a percentage-based fee tied to assets under management (AUM). Our goal is to provide high-quality service to all clients, and a flat fee ensures that what you pay is based on the service you receive—not on how much money you have.
[For more details, see this blog post]
Fees can be paid directly from your investment accounts or via ACH/credit card. Most clients elect to have their fees deducted from their investment accounts. If you have multiple accounts, the fee is prorated based on the balances. For example, if the quarterly fee is $2,000 and you have a $600,000 IRA and a $200,000 brokerage account, $1,500 would be deducted from the IRA and $500 from the brokerage account. The process is automated, so you don’t have to worry about making manual payments.
You’ll receive a quarterly notice that transparently details the fee calculation, so you always know exactly what’s being deducted and from where.
Absolutely! Our firm is designed to securely serve clients nationwide.
We do not have an asset minimum. However, our services and pricing are typically the best fit for clients with $500,000 to $10,000,000 in assets, as they tend to recieve the most value from our planning & tax strategies.
We do not have to manage your investments to provide ongoing financial planning services. If you wish to work with Dunes in this arrangement it is your responsibility to timely trade your accounts based upon ongoing recommendations.
No. While Mark Rosinski is a CPA and provides tax planning strategies, he does not offer tax preparation services. If needed, we’re happy to help you find a tax preparer.
As a fully cloud-based firm, we use industry-leading security measures, including two-factor authentication, individualized secure passwords, VPN encryption, and top-tier financial software. Your data and financial well-being are our top priorities.
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