Our process begins with your first phone call or email message, establishing a contact and scheduling a meeting. We open an account with Charles Schwab Institutional Services to accept your funds. The account can be an individual account, a joint account, an IRA, Roth IRA, or a corporate account. The account will be in either your or your company’s name, and you will have 24/7 online access to view your account activities, positions, and balances. Applied Capital will be granted trading privileges on your account and Charles Schwab, as the custodian of your funds, will be allowed to deduct our quarterly management fees.

Once your funds have been transferred to the Charles Schwab Institutional account managed by us, the investment process begins. We select securities – stocks, preferred shares, and exchange-traded debt – as per your selection of an investment strategy. We manage your account from that point on.

Every beginning of January, April, July, and October you will receive a quarterly update from us on the state of the market and the general performance of your account, as well as our future outlook. At approximately the same time we will submit our invoice to Charles Schwab to deduct our management fees from your account for the investment services provided in the previous quarter. We never bill up-front.

At least once a year – or more often if necessary – we will meet in person or have an extended conference call to discuss the current state of your account and its performance. We will always be available to you whether on the phone or in person if necessary.

We will assist and guide you with every activity or transaction concerning your investable funds: 401K rollovers, account transfers, tax reporting, change of beneficiaries, regular contributions and withdrawals etc.

In matters where Applied Capital does not have direct expertise or explicit licensed permission to practice – such as law, accounting, or insurance – we will recommend our trusted partners to meet your needs.