Brett V. Caldwell
Professional summary
Brett Vaughn Caldwell, CFP® is a registered financial advisor currently at MODERA WEALTH MANAGEMENT, LLC located in Bountiful, Utah.
Brett is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2014. Brett has worked at 3 firms and has passed the Series 65 exam.
Biography
Question & Answer
Aliases
Other business activities
CRS (Client Relationship Summary) - RIA
MODERA WEALTH MANAGEMENT, LLC - Registered Investment Advisory firm
MODERA WEALTH MANAGEMENT, LLC is registered with the Securities and Exchange Commission as an investment adviser. Fees for brokerage and investment advisory services differ among brokerdealers and investment advisers and it is important that you understand the differences. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing.
Fees and Costs:
We charge the greater of a minimum fee or a percentage of assets under management for our wealth management, portfolio management and retirement plan services. These fees are assessed quarterly, in advance. The more assets your account has, the more you will pay in fees. This gives us an incentive to encourage you to increase the assets in your account.
We also charge fixed fees for our monitoring, consulting and coaching services which we invoice quarterly in advance. When you pay us only an hourly or fixed fee, it will be assessed in two installments and it will not include fees for implementing recommendations. This creates an incentive to recommend additional advisory services to you for which additional fees would be charged.
In addition to our fees, you will incur additional fees and costs related to the investments in your account, such as custodian fees, account maintenance fees, transaction costs, surrender charges, wire transfer and electronic fund fees, internal management fees of mutual funds and variable annuities, and other product related fees such as redemption fees.
You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.
More detailed information regarding fees can be found in our Form ADV, Part 2A Brochure.
Questions to ask your Professional:
- Help me understand how these fees and costs might affect my investments? If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?
Conflicts of Interest:
When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Here are some examples to help you understand what this means:
We receive client referrals from third parties and employees to whom we pay referral fees. This is a conflict of interest because we have an incentive to pay referral fees so that the third parties or employees will refer clients to us that they otherwise might not refer to us.
We only make money from the fees we are charging clients.
We are fiduciaries to you. That means we are required to act in your best interest throughout our entire advisory relationship.
More detailed information regarding our conflicts of interest can be found in our Form ADV, Part 2A Brochure.
Questions to ask your Professional:
- How might your conflicts of interest affect me, and how will you address them?
How do your financial professionals make money?
Our financial professionals are paid a salary and may also be paid a bonus. Any bonus is based not only on the firm’s overall profitability and attainment of pre-set metrics but also when they obtain new clients for us. This is a conflict of interest because it creates an incentive for our financial professionals to recommend our investment advisory services to you.
Certified licenses
Start date: 2016
Experience
December 19, 2017 - Present
MODERA WEALTH MANAGEMENT, LLC
March 22, 2016 - December 4, 2017
FINANCIAL INSIGHT CENTER
November 7, 2014 - March 25, 2016
THE INSIGHT GROUP, INC.
Primary Firm SEC Registration
MODERA WEALTH MANAGEMENT, LLC
CRD#: 155649 / SEC#: 801-71973
State Registrations and Notice Filings
Listed states reflect where the advisor is authorized to serve clients under state regulations.
Highlighted states indicate IAR registrations
(12/19/2017)
(10/25/2023)
(5/12/2020)
Current Firm
MODERA WEALTH MANAGEMENT, LLC
CRD#: 155649 / SEC#: 801-71973
Contact information
SEC notice filing (43 States and Territories)
Regulatory assets under management
| Total Number of Accounts | 20,833 |
| AUM (Assets Under Management) | $ 15,510,482,152 |
Accountant surprise examination report
| Filing Date | Form ADV-E Cover | Form ADV-E Report |
|---|---|---|
| 12/20/2024 | ||
| 01/26/2024 | ||
| 01/25/2023 |
Red Flags
Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.
Check for any disclosures as part of your thorough research when choosing an advisor.
