Question 1

Are you a fiduciary and what does that mean?

Accepted Answer

Yes. Alchemy Wealth Management operates as a fiduciary. That means we are held to a fiduciary standard to put your interests first and provide advice based on your goals, not commissions or outside incentives. We focus on reducing conflicts of interest and making recommendations designed to support your long-term financial plan.

Question 2

Are you fee-only? How are you paid?

Accepted Answer

Yes. We are fee-only. We are compensated directly by our clients and do not receive commissions for selling investments, annuities, insurance products, or other financial products. Our fees are transparent, clearly explained up front, and agreed upon before we begin working together.

Question 3

Who is a good fit for Alchemy Wealth Management?

Accepted Answer

We are a good fit for individuals and families who want a thoughtful, ongoing planning relationship and value clear communication, accountability, and long-term strategy. Many clients come to us when they are approaching retirement, already retired, or managing complex decisions around investments, taxes, and retirement income. If you want guidance that is coordinated and built to last, we’re likely a good fit.

Question 4

Do you have an account minimum?

Accepted Answer

Yes. We typically work with clients who have at least $250,000 in investable assets and are seeking an ongoing advisory relationship. If you are building toward that threshold, we’re happy to share resources and reconnect when the timing is right.

Question 5

First meeting: What to expect and what is the cost?

Accepted Answer

Your first meeting is a chance to understand your goals, get clarity on what you want to improve, and determine whether we are a good fit to work together. We’ll discuss your current situation at a high level, the decisions you are facing, and how we typically help clients in similar circumstances. Any costs and next steps are clearly explained before moving forward.

Question 6

Do you work virtually or only in-person?

Accepted Answer

We work both ways. Many clients meet with us in person in Northern Nevada, while others prefer a fully virtual relationship for convenience. We use secure technology to meet, share documents, and coordinate planning so distance is not a barrier.

Question 7

Do you coordinate with my CPA and attorney?

Accepted Answer

Yes. We view collaboration as essential. We regularly coordinate with CPAs, attorneys, and other professionals to help ensure your investment strategy, tax planning, estate planning, and financial decisions are aligned. If you do not have an established team, we can help you identify professionals to consider.

Question 8

Where are accounts held (custodian)?

Accepted Answer

Client assets are custodied at Charles Schwab. Your accounts are held in your name at Schwab, and you receive statements directly from the custodian. This structure provides transparency and an added layer of checks and balances.

Question 9

How often do we meet and how do ongoing check-ins work?

Accepted Answer

Meeting frequency depends on your needs and the complexity of your plan. Most clients meet at least once or twice per year for full review meetings, with additional check-ins as needed during life events, retirement transitions, tax planning windows, or major financial decisions. Between meetings, we stay available for questions and provide proactive outreach when planning opportunities arise.

Question 10

What is your investment philosophy?

Accepted Answer

Our investment philosophy is built on long-term, evidence-based investing. We focus on diversified portfolios designed to match your goals, time horizon, and risk tolerance rather than trying to time markets or chase short-term performance. We emphasize disciplined portfolio construction, ongoing risk management, and tax-aware decisions that support long-term outcomes.

Retirement Planning in Lake Tahoe, Nevada

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