Get answers to your financial planning questions with our FAQ. Learn about our services, team expertise, and how we support your financial goals. Don’t see the answer to one of your questions? Contact us.
Emerj360 was built on Trust Point’s foundation of strong values, fiduciary standards and 100+ years of financial know-how. Emerj360 allows Trust Point to expand its services to investors who have between $50,000 and $1 million in assets, and less complex money management needs.
Our team is all about helping individuals ‘emerge’ into the next phase of their lives – whether it be heading into retirement, starting to save for retirement, or just beginning their financial journey. The Emerj360 team takes a ‘360-degree’ view of each client’s situation to help them meet their goals and invest confidently.
Emerj360 focuses on helping individuals with financial planning for milestone moments and those who have been saving for retirement, but are wondering if they are on track to meet their retirement goals. Our clients are often between 45-65 years old, and have between $50,000 and $1 million in assets who are looking for guidance as they prepare a strategy for their financial future
The Emerj360 team is committed to providing a high level of service to all clients while also giving them access to various educational resources. To best serve this group and to be able to provide individual financial planning, we have established our minimum at $50,000.
Emerj360 charges a fee based on Assets Under Management (AUM) that is 10 basis points a month, or 0.10% a month. This is calculated monthly based on the account value(s) at that time. The fee is deducted from the designated account(s) each month.
No. We are not associated with any investment or insurance company. We don’t utilize any investments that have 12b-1 or load fees (revenue-sharing agreements). We utilize low-cost Exchange Traded Funds (ETFs) with no revenue-sharing streams to construct portfolios. We are fiduciaries, always acting in your best interest.
Yes! As part of our services, you are able to call our local team at any time to talk about anything investment or financial-related.
Yes! The Emerj360 team is here whenever you need us.
Our planning process kicks off once your account is funded with at least $50,000. You will complete your initial financial plan with a certified team member and meet (virtually or in person). We will review your plan every few years or more often if you have a major life change. You are always welcome to meet with us more often if circumstances change and you’d like to review your plan.
You will be working with the dedicated Emerj360 team, a division of Trust Point, who also have access to the experienced financial professionals from Trust Point.
Our certified professionals will work with you on your financial plan and address any questions you have regarding your financial goals and how to achieve them. Certification is only awarded after mastering financial planning skills proven with course study and demanding examination. Since Emerj360 is a division of Trust Point, we are also backed by 100+ years of financial know-how. We have credentialed people, from CPAs to attorneys, who can bring a wide array of financial insights.
It means we are legally obligated to place your interests ahead of our own. Fiduciaries also must disclose their fees, how they’re compensated, and any other information related to potential conflicts of interest that might influence an individual’s decision to use their services. Emerj360 is free from any conflicts of interest in the investment options we provide to our clients.
