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Chemistry, the study of the properties and behavior of matter, is the foundation for understanding everything around us. It is used to explain interactions, reactions and transformations. These fundamental qualities are central to our approach to wealth management.
At Chemistry Wealth, we understand that all the elements of your life — from your financial circumstances and ambitions to the world around you — interact, change, and transform over time. Building meaningful long-term relationships while diligently pursuing the science of growing wealth is in our DNA. We look at everything that matters as we integrate wealth planning into the rhythm of your life — helping you and your family navigate and thrive in a complex world.
As a fiduciary, we are required to always serve our clients’ best interest. All our decisions are guided by our commitment to preserve the trust and confidence clients place in us.
A registered investment advisor is a firm that is legally obligated by a fiduciary duty to always act in their clients’ best interests at all times. Chemistry Wealth is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”), the regulatory agency that defines this fiduciary standard.
Charles Schwab& Co., Inc. (“Schwab”) is an independent third-party custodian that holds and protects our clients’ accounts. We recommend Schwab because they are custodians to more assets than any of their peers, have a client-first culture, financial strength and experience with RIAs.
Chemistry Wealth earns its revenue through its wealth management and financial planning fees. As a fee-based wealth advisory firm, we do not receive commissions or additional revenue from product providers for investments in your accounts. This allows us to offer truly objective financial advice and align our goals with those of our clients in protecting and growing their wealth and avoiding the conflicts of interest that can exist in some financial services firms. Our firm charges a percentage of the assets under management, determined according to the total assets managed and the overall complexity of your situation.
Clients interested in financial planning only or who fall below minimum assets under management thresholds may be charged an agreed-upon flat fee, assessed annually, according to the complexity of the plan. If a client has a need for insurance products, our financial professionals will not be paid an advisory fee, but rather an insurance commission.
Get in touch and let’s determine if we are a good fit for your needs.
Schwab is a Securities Investor Protection Corporation (“SIPC”) member brokerage firm as well as maintaining excess SIPC protection. Securities and cash in accounts held at Schwab are insured by SIPC in the event of broker-dealer failure.
SIPC provides up to $500,000 of protection for brokerage accounts held in each separate capacity (e.g., joint tenant or sole owner), with a limit of $250,000 for claims of uninvested cash balances. More information about SIPC coverage is available at www.sipc.org. Note that commodity interests and cash in futures accounts are not protected by SIPC.
Your assets at Schwab-affiliated banks are protected by the Federal Deposit Insurance Corporation (“FDIC”). FDIC is an independent agency that is backed by the full faith and credit of the United States government.
The standard FDIC insurance amount is $250,000 per depositor, per insured bank, based on ownership category, and includes accounts held singly or jointly. The same amount applies to trust-owned accounts. Go to www.fdic.gov to learn more about FDIC coverage.
We have selected vendors based on their functionality and strong adherence to security best practices.
Multi-level, multi-factor security measures are employed to provide the highest level of assurance that your sensitive data is protected and transmitted within an encrypted virtual network. We require our staff to use two-factor authentication to access our systems from remote locations.
Your data is not shared with any third parties for advertising purposes.
As our name would indicate, we integrate the various elements of a client’s financial life. In providing a comprehensive financial plan and applying our investment management expertise, we consider all the component parts of your life to help you achieve your short- and long-term objectives.
Our approach to financial planning is comprehensive and holistic. We always start with understanding our client’s personal financial goals, principles and values. As the CEO of their own life, our clients lay out their vision to us, while we sit alongside them as their personal CFO. We provide ongoing assessment and tracking of their financial goals and needs, evaluate various possible scenarios, and provide clear and specific strategies and recommendations to empower them to reach their goals.
We filterthrough the financial information overload our clients face and share, with our clients, those areas that are most impactful to them personally. As your personal CFO, we seek to be a reliable, rational and empathetic sounding board that provides strategies, recommendations and advice according to your personalized financial needs.
We aim to manage all aspects of our clients’ financial situation. This includes net worth, cash flow and cost of capital analysis, as well as tax planning, investment planning, retirement planning, insurance planning, education planning, and estate planning advice and guidance.
We organize and facilitate the conversations across our clients’ various professional advisors, such as accountants, benefit directors, insurance agents, attorneys and family members, to fulfill our mandate to maximize our clients’ wealth and minimizethe hassle. At Chemistry Wealth we approach our clients’ financial planning as an ongoing, dynamic process. We proactively engage with our clients through periodic service meetings to make sure that our planning advice is adapting to changes in your life and the global landscape.
In managing our clients’ life savings, we believe in building personalized financial portfolios, based on our clients’ needs, from the bottom up. We develop asset allocation models that are consistent with their personal risk tolerances and time frames. We use a flexible and objective approach, where we may own a combination of individual securities and actively and passively managed funds that can provide the highest risk-adjusted rates of return, net of taxes and cost, over a full market cycle.
We adhere to a disciplined value investment philosophy in our investment approach and seek to compound wealth over the longterm by focusing on limiting the downside risk of our clients’ personal wealth. We seek to own companies that are priced at reasonable valuations and possess financial strength, attractive long-term economics and strong, rational management teams that have skin in the game.
As an independent registered investment advisor, we access an open architecture investment platform that features thousands of mutual funds, exchange-traded funds (“ETFs”), and alternative investments, as well as traditional equity and fixed income investments. Free from the constraint of proprietary products and investment banking relationships, we can work with our clients to determine which investment options are best suited for their unique financial situation.
Another characteristic of our name, Chemistry Wealth, is the “chemistry” that we foster between us and our clients. This is demonstrated and evident by our all-in dedication to building long-term, meaningful relationships, exceptional personal service, and our eagerness to always go the extra mile in order to minimize the time and stress clients usually face when managing their personal wealth.
Each client works directly with Mark Chemtob when making important investment decisions. In addition, every client is assigned a dedicated Client Relationship Manager. We are committed to accommodating our individual clients’ needs and answering their important questions within 24 hours.