Broker Check

Client Relationship Summary

How We Work

Sackett Financial Group

Form CRS – Client Relationship Summary

May 15, 2020 


Our firm, Sackett Wealth Advisors, Inc dba Sackett Financial Group, is an investment adviser registered with the Securities and Exchange Commission. We feel that it is important for you to understand how advisory and brokerage services and fees differ in order to determine which type of account is right for you. There are free and simple tools available to research firms and financial professionals at, which also provides educational materials about investment advisers, broker-dealers, and investing. 

What investment services and advice can you provide me? 

We are a registered investment adviser that offers investment advisory services to retail investors. Our advisory services include Comprehensive Portfolio Management and Financial & Retirement Consulting. If you open an advisory account with our firm, we’ll meet with you to understand your current financial situation, existing resources, goals, and risk tolerance. Based on what we learn, we’ll recommend a portfolio of investments that is monitored at least quarterly, and if necessary, rebalanced to meet your changing needs, stated goals and objectives. We’ll offer you advice on a regular basis and contact you at least annually to discuss your portfolio. 

Financial & Retirement Consulting is included in our Comprehensive Portfolio Management for no additional fee. Financial Consulting is also offered as a separate service for an additional flat or hourly fee while Retirement Consulting is offered as a separate service for the percentage of assets under management. We do not monitor your investments for the Financial Consulting service. 

We manage accounts on a non-discretionary basis. After you sign an agreement with our firm, we’re only allowed to buy and sell investments in your account after receiving your permission. You make the ultimate decision regarding the purchase or sale of investments. 

We do not restrict our advice to limited types of products or investments. 

Our firm does not impose requirements for opening and maintaining accounts or otherwise engaging us. 

Additional information about our advisory services is located in Item 4 of our Firm Brochure, which is available online at 

What fees will I pay? 

You will be charged an ongoing quarterly fee based on the value of the investments in your account. Our Comprehensive Portfolio Management maximum annual fee is 1.50%. The more assets you have in your advisory account, the more you will pay us. We therefore have an incentive to increase the assets in your advisory account in order to increase our fees. Our fees vary and are negotiable. The amount you pay will depend, for example, on the services you receive and the amount of assets in your account. Our firm’s fees will be automatically deducted from your advisory account, which will reduce the value of your advisory account. In rare cases, our firm will agree to send you invoices rather than automatically deduct our firm’s fees from your advisory account. 

Our maximum hourly rate is $250 for our Financial Consulting services. Our maximum annual fee for Retirement Plan Consulting is 1.50% of assets under management. 

The custodian that holds your assets charges you a transaction fee when we buy or sell an investment for you. The custodian’s transaction fees are in addition to our firm’s fees for our Comprehensive Portfolio Management services. 

You may also pay charges imposed by the custodian holding your accounts for certain investments and maintaining your account. Some investments, such as mutual funds, index funds, exchange traded funds, and variable annuities, charge additional fees that will reduce the value of your investments over time. In addition, you may have to pay fees such as “surrender charges” to sell variable annuities. 

In certain cases, we select third party money managers, sub-advisers, and/or separate account managers who will assist us with managing your account. If selected, they will charge you a fee, which will be described to you in their Form ADV and/or agreement.  

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. 

Additional information about our fees is located in Item 5 of our Firm Brochure, which is available online at 

What are your legal obligations to me when acting as my investment adviser? How else does your firm make money and what conflicts of interest do you have? 

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: 

Our firm’s financial professionals are insurance agents. They charge a separate commission rate resulting from implementing product transactions on behalf of advisory clients. As a result, they have an incentive to recommend these products in order to increase their compensation. Additional information about our insurance agents, can be found at:$.startup

Our firm utilizes the services of a third-party money manager to manage client accounts. The third-party money manager’s fees are inclusive to our maximum advisory fee. 

Additional information about our conflicts of interest is located in Item 10 of our Firm, which is available online at 

How do your financial professionals make money? 

Our financial professionals are compensated based on a set salary discussed and receives a bonus dependent on the revenue our firm earns from their advisory services or recommendations. 

Do you or your financial professionals have legal or disciplinary history? 

No, our firm and financial professionals do not have any legal and disciplinary history to disclose. Visit for a free and simple search tool to research our firm and our financial professionals. 

Additional Information 

You can find additional information about our firm’s investment advisory services on the SEC’s website at by searching CRD #289950. You may also contact our firm at (714) 671-9330 to request a copy of this relationship summary and other up-to-date information. 

Questions to Ask Us: 

  • 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 those qualifications mean? 
  • Help me understand how these fees and costs may 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? 
  • As a financial professional, do you have any disciplinary history? 
  • For what type of conduct? 
  • Who is my primary contact person? 
  • Is he or she a representative of an investment adviser or a broker-dealer? 
  • Who can I talk to if I have concerns about how this person is treating me? 

To download or print a copy of this Form CRS – Client Relationship Summary, please click on the button below.

Form CRS – Client Relationship Summary – May 2020