Disclaimer

WEBSITE CONTENT: All written content on this site is for information purposes only. Opinions expressed herein are solely those of Wu Wealth Advisory, LLC (WWA) unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.
This website may provide links to others for the convenience of our users. Our firm has no control over the accuracy or content of these other websites.

REGISTRATION INFORMATION: Advisory services are offered through Wu Wealth Advisory, LLC, a registered investment advisor domiciled in the State of New York. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute.
Follow-up or individualized responses to consumers in a particular state by our firm in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.
For information concerning the status or disciplinary history of a broker-dealer, investment advisor, or their representatives, a consumer should contact their state securities administrator.
WWA will provide all prospective clients with a copy of our current Form ADV, Part 2A (“Disclosure Brochure”) and the Brochure Supplement for each investment advisor representative. You may obtain a copy of these disclosures on the SEC website at https://adviserinfo.sec.gov/Firm/299120 or you may contact us at (917) 868-3009 or by email at info@wuwealth.com to request a free hardcopy or in PDF format.

How We Help

千里之行，始於足下:
A journey of a thousand miles
begins with a single step.

—Laozi

As described below, the scope of our engagement generally encompasses two phases: (1) Planning and (2) Investment Management. Planning is at the core of our service proposition because it establishes the roadmap of how we can best guide our clients forward. A common misconception is that investing alone constitutes a financial plan—nothing can be further from the truth. Only through the planning process can we evaluate our client’s probability of success and recommend tools and strategies, including portfolio solutions, to be implemented.

Planning

The ultimate objective of any planning process is to afford clients the luxury of making informed decisions about their financial life. Most commonly, clients have turned to us for advice on planning components that include:

Cash Flow Analysis
Education Funding
Benefits Selection
Estate Planning
Home Affordability
 Portfolio Consultation
Retirement Track
Risk Management
Tax Strategies
Learn more...

Planning Service Models

A. Hourly Financial Planning

WWA offers financial planning services on an hourly, as-needed basis. The scope of the engagement is dictated by the client; it can be as modular or be as broad-based as desired. This offering is particularly ideal for DIY clients who are either looking for a one-time engagement, or do not require any support in plan implementation. Clients pay for only the services they need at any point in time.
Process Highlights
  1. A complimentary 30-minute initial consultation to learn about a client’s needs and ascertain if our approach and philosophy are the right fit.
  2. A 60-90 minute discovery meeting, where we begin the conversation about the client’s current financial position and gather information necessary to assess the situation. This will include a more in-depth discussion of the client’s goals, time frame and risk preference.
  3. A 60-90 minute recommendations meeting, which includes a summary of current net worth and recommendations in any areas of concern as dictated by the scope of engagement.
Fee
Clients are assessed an hourly fee at a rate of $200 per hour. No deposit is required; the entire fee is due upon plan delivery.

B. Comprehensive Personal Advisory

This planning service model is designed for time-constrained clients who value ongoing advice, peace of mind and help with implementation of recommendations. The key differentiating premise of this offering is a long-term partnership between WWA and the client.
Process Highlights
  1. We kick off the relationship with three meetings, similar to those outlined under the Hourly Financial Planning process. A comprehensive report will be delivered.
  2. A 60-90 minute Implementation meeting, where we will put the client’s plan into motion and coordinate with other professional as necessary.
  3. 60-minute follow-up meetings every six months to monitor client’s progress towards goals. Additionally, we will review and update selected financial planning and investment consulting recommendations every year.
  4. Clients are encouraged to contact us for ongoing support via phone/email for those “one-off” questions or as situations arise.
Fee
Clients are assessed a recurring monthly fee of $89.99, paid in arrears and cancellable at any time. If clients cancel after the annual comprehensive report has been delivered, a fee equal to total hourly costs incurred as a result of report’s compilation may be charged.

Investment Management

For clients who have engaged WWA for either the Hourly Financial Planning or Comprehensive Personal Advisory offering, we also offer investment management as an “add-on” solution. No one can consistently time or predict the market correctly, and in an investment landscape littered with market noises and investment fads, we believe the only rational long-term approach to investing is a well-diversified portfolio. Furthermore, WWA favors index-based investments for their efficiency and low costs.

Learn more...

Investment Management Service Model

Portfolio Management Services

We have partnered with the online investment platform Betterment in offering our clients a smarter way to invest. Together we build a globally diversified portfolio that is aligned with our client’s specific needs and risk tolerance. Aside from utilizing only ETFs in the portfolio construction, we have streamlined other important features, such as automatic portfolio rebalancing and tax-loss harvesting. In addition to ensuring that investments are not managed in silo, WWA helps clients avoid investor behavioral biases and investment pitfalls.
Process Highlights
  1. A 30-minute complimentary introduction meeting to discuss investment needs and determine whether WWA’s investment solution may be appropriate.
  2. A 60-minute investment meeting where we will gain a better understanding of investing experiences and current financial situation. We will also assess the client’s risk tolerance and learn about the goals and values that will ultimately drive the asset allocation decision.
  3. A 60-90 minute portfolio meeting where we formulate and present a portfolio strategy to our client for feedback and execution, as appropriate.
  4. A 60-minute annual review meeting, whereby the main goals are to review the investment account to ensure the target allocation is maintained, determine if risks have changed and whether rebalancing is appropriate. Client portfolios are reviewed by WWA on a quarterly basis, at the very least, and more frequently as warranted by market conditions.
Fee
Portfolio management clients are assessed an annualized asset-based fee that is determined by the account’s average daily balance for the reported month. Our fee schedule is constructed on a straight tier; all accounts are charged a single percentage rate that declines as asset levels increase. We bill on a monthly basis, in arrears, per the following table:
Assets Under Management Annualized Asset-Based Fee
$0–$1,000,000 0.90%
$1,000,001–$2,000,000 0.80%
$2,000,001–$5,000,000 0.60%
$5,000,001 + 0.50%