Cardan Capital Partners, LLC is registered with the Securities and Exchange Commission as an investment advisor.
Brokerage and investment advisory services and fees differ and it is important for you to understand the differences. Free and simple tools are available to research firms and financial professionals at www.investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisors, and investing.
Relationships and Services. What investment services and advice can you provide me?
We offer comprehensive financial planning and consulting services which may include any or all of the following: Financial Planning, Investment Portfolio Management, Investment Consulting, Risk Management, Business Planning, Cash Flow Forecasting, Liability Management, Trust and Estate Planning, Charitable Giving, Distribution Planning, Tax Planning, Insurance Planning, Manager Due Diligence, and Divorce Planning.
We will discuss your financial and investment goals, design with you a strategy to achieve your goals, and regularly monitor your account.
You can choose an account that allows us to buy and sell investments in your account without asking you in advance (a discretionary account) or we may give you advice and you decide what investments to buy and sell (a non-discretionary account).
Our investment advice will cover a limited selection of investments, primarily exchange-traded funds (“ETFs”), individual debt and equity securities, and mutual funds in accordance with the account’s stated investment objective, goals and risk parameters. We do not impose a stated minimum fee or minimum portfolio value for starting and maintaining an investment management relationship.
We are held to a fiduciary standard that covers our entire investment advisory relationship with you. This means we are required to act in your best interest at all times and not place our own interests ahead of yours.
More detailed information about our services can be found in Form ADV, Part 2A brochure Items 4 and 7.
Key Questions to Ask. Ask our financial professionals about relationships and services.
- Given my financial situation, should I choose an investment advisory service? Why or why not?
- How will you choose investments to recommend to me?
- What is your relevant experience, including your licenses, education and other qualifications? What do these qualifications mean?
Fees and Costs. What fees will I pay?
If you open an advisory account, you will pay an on-going asset-based fee at the beginning of each month. The asset-based fee reduces the value of your account and will be deducted from your account. In certain circumstances fixed fees may be charged for financial planning or consulting services only.
Our fees vary and are negotiable. The amount you pay will depend, for example, on the service you receive, the amount of assets in your account, and predominant asset class for the account. We do not charge a fee on cash balances. A conflict of interest may exist at times because we have an incentive to recommend increasing the assets in your account and to recommend certain asset classes based on the compensation received.
Some investments (such as mutual funds, exchange traded funds and independent managers) impose additional fees that will reduce the value of your investment over time.
You will also pay fees to a broker-dealer that holds your assets for certain activities, such as transaction fees, custodial fees, margin or other borrowing costs, wire transfer and electronic fund 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.
Conflicts and Standard of Conduct. What are your legal obligations to me when acting as my investment advisor? How else does your firm make money and what conflicts of interest do you have? How do your financial professionals make money?
When we act as your investment advisor, 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.
The more assets you have in the advisory account, the more you will pay us. Cardan and your financial professional (who is compensated based on revenue earned for advisory services) therefore have an incentive to increase the assets in your account in order to increase our fees. We also have an incentive to recommend certain asset classes based on the compensation to be received.
How do your financial professionals make money?
Cardan employees are compensated through a combination of salary and bonus. Certain employees may receive incentive bonuses based on assets under management or revenue generated by clients.
More detailed information about our fees, costs and conflicts of interest can be found in Form ADV, Part 2A brochure Item 5.
Key Questions to Ask. Ask our financial professionals about fees, costs, conflicts and standard of conduct.
- 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?
- How might your conflicts of interest affect me, and how will you address them?
Disciplinary History. Do you or your financial professionals have legal or disciplinary history?
No. Please visit www.investor.gov/CRS for a free and simple search tool to research Cardan and our financial professionals.
Key Questions to Ask. Ask our financial professionals about disciplinary history.
- As a financial professional, do you have any disciplinary history? For what type of conduct?
Additional Information. We encourage you to seek additional information.
For additional information on our advisory services, please refer to Form ADV, Part 2A brochure and contact us at 720-799-8820 to request up-to-date information and a copy of the relationship summary.
Key Questions to Ask. Ask our financial professionals about additional information.
- Who is my primary contact person? Is he or she a representative of an investment advisor or a broker-dealer? Who can I talk to if I have concerns about how this person is treating me?
We are here to help you. Please fill in the form or give us a call to get a quick consultation now.
Phone: (720) 799-8820