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Why Sanitas Wealth Management?

There is a confusing array of providers who all market themselves as the best alternative to plan for your needs. Each provider has advantages and disadvantages. However, we believe Sanitas Wealth Management’s experience, coupled with independence and objectivity, are key elements to consider as you evaluate your decision.

Experience

The Founder of Sanitas Wealth Management, Jaco Jordaan, has more than 20 years of experience in the financial services industry as a financial planner and investment manager. Jaco’s real world experience and objective analysis provides an understanding of the benefits and costs of financial solutions, allowing for a plan design which we believe is in each client’s best interest. In addition to real world experience, Jaco has a variety of academic credentials which supports the financial planning process and portfolio construction process. Furthermore, Jaco is an Enrolled Agent with the IRS which provides consideration of U.S. tax regulations and their impact on your financial decisions. This knowledge and experience enables us to help clients of various backgrounds and needs in a holistic manner. For more information on Jaco’s experience and academic qualifications, please visit our About Us section.

Independence and Objectivity

Sanitas Wealth Management is an independent, Fee-Only financial planning and investment management firm. Unlike many financial advisors, we never receive any commissions, finder’s fees or any other compensation which is contingent upon a client purchasing a particular product. Our compensation is limited to agreed upon fees received from our clients. This structure enables us to remove the conflicts of interest regarding compensation and focus solely on our clients and their best interests. For more information on the Fee-Only distinction, please see our Fee-Only section.

Being independent means Sanitas Wealth Management is not owned by a financial product manufacturer and there is no CEO to tell anyone they have to sell something specific or hit a sales quota. Our recommendations are outcomes of the financial planning process. Where necessary, Sanitas Wealth Management may refer you to an external provider such as an estate attorney or insurance provider. Any such referral will be based on financial need and we will never receive a referral fee or any additional compensation as a result of such referrals. This independence leaves us free to make strategy recommendations and to pick investment solutions without the conflict of interest created by commissions or referral compensation.

 

Frequently Asked Questions

How do you define financial planning?
We believe that financial planning is the process of planning for, and meeting, your life goals through the proper management of your finances. Your life goals may include buying a home, a fulfilling retirement, providing for your child’s education, protecting your family from a disability or providing contributions to charitable organizations you care about.
Who can benefit from your services?
Any individual or family seeking financial peace of mind can benefit from our services. We work with clients from all walks of life. Our clients have the flexibility to work with us on a one time as needed basis, or an ongoing more comprehensive basis.
How are you compensated for your services?
We are a Fee-Only financial planning and investment management firm. Our only compensation comes from the fees we receive from our clients for the advice we provide. Unlike many financial advisors, we never receive any commissions, finder’s fees or any other compensation which is contingent upon you purchasing a particular product.
Why should I choose a Fee-Only financial planner?

When dealing with your financial health and well-being, you need advice that you can trust. The advice you receive should be independent and objective. Advice which is influenced by a sales quota or management pressure, or advice which is influenced by the associated commission rate represents a conflict of interest. It may be difficult to tell if the provided solution is in your best interest or whether it benefits the advisor providing the solution. As a Fee-Only financial planning and investment management firm, Sanitas Wealth Management works solely for our clients and is compensated only by the agreed upon fees clients pay for advice and investment management. Because we do not receive any commissions, referral fees or sales incentive for advice, we are able to remove the conflicts of interest with regard to compensation. 

How much do you charge for financial planning services?

Our fees will vary from client to client depending on the services they are looking for and the complexity of the engagement. The fees are based on the actual time involved in meeting with you in person, over the phone or via webcast, researching and analyzing your current situation, and providing specific recommendations and implementation assistance (if appropriate). We will work with you during our complimentary Initial Consultation meeting to determine what services may be best for you and provide you with an estimate of the fees at that time.

If you decide to engage our services we will ask that you sign a Financial Planning Agreement and pay a deposit based on the agreed upon scope of our engagement. The remainder of the fees will be due at the conclusion of the engagement.

What does the financial planning process entail?

The financial planning process used by Sanitas Wealth Management helps our clients to identify and prioritize financial planning needs. While the specific process used may vary slightly based on your specific needs, it usually involves gathering relevant financial information, setting your goals, examining your current financial status and developing a strategy or plan for how you can meet your goals given your current situation and future plans. Note that you will have to be actively engaged in collecting the relevant documents and statements as well as prioritizing your decisions.

In addition, it is important to understand is that financial planning is a dynamic process, not a one-time event. Your financial plans should be reviewed on an ongoing basis as your life changes so that necessary revisions can be made.

What areas of financial planning do you cover?
Sanitas Wealth Management provides comprehensive financial planning services. That means evaluating and recommending strategies for debt and cash flow management, investment analysis, tax planning, risk management, retirement planning, education planning, estate and legacy planning, planning for special situations and more. Note that there will be some areas where it will be necessary to collaborate with other advisors, such as estate attorneys who can legally draft your documents.
What happens when my financial plan is complete?

During your Financial Plan Presentation we will discuss an appropriate plan for you to implement and monitor your plan. You may choose to implement and monitor the plan yourself, or engage us to assist you. We provide a 60 day period after the Financial Plan Presentation where you may call or e-mail us with questions relating to your plan without incurring new charges.

Your relationship with us will continue on an as-needed basis. There is no obligation to engage us further although many clients choose to implement an investment strategy utilizing our investment management services. You may call or e-mail us whenever you wish to initiate services. If you wish, we can be proactive in reminding you to schedule periodic reviews. Many clients like to have an annual plan review or update visit. Once we remind you that you are due for a review, you are responsible for calling us to schedule the meeting

Code of Ethics

As shown in the About Us section, Jaco Jordaan has earned the right to use multiple professional certifications. Beyond educational and work experience requirements, each professional association typically makes authorization to use their respective certification or charter marks conditional on the individual committing to adhere to a code of ethics. In short, a code of ethics means an advisor commits to always doing the right thing. Of course each organization further defines what that means. For more information on each organization’s definitions, please click on the links below.

CFP® Certificant Code of Ethics

CFP Board adopted the Code of Ethics to establish the highest principles and standards. These Principles are general statements expressing the ethical and professional ideals certificants and registrants are expected to display in their professional activities. As such, the Principles are aspirational in character and provide a source of guidance for certificants and registrants. The Principles form the basis of CFP Board’s Rules of Conduct, Practice Standards and Disciplinary Rules, and these documents together reflect CFP Board’s recognition of certificants’ and registrants’ responsibilities to the public, clients, colleagues and employers.

Principle 1 – Integrity: Provide professional services with integrity.

Integrity demands honesty and candor which must not be subordinated to personal gain and advantage. Certificants are placed in positions of trust by clients, and the ultimate source of that trust is the certificant’s personal integrity. Allowance can be made for innocent error and legitimate differences of opinion, but integrity cannot co-exist with deceit or subordination of one’s principles.

Principle 2 – Objectivity: Provide professional services objectively.

Objectivity requires intellectual honesty and impartiality. Regardless of the particular service rendered or the capacity in which a certificant functions, certificants should protect the integrity of their work, maintain objectivity and avoid subordination of their judgment.

Principle 3 – Competence: Maintain the knowledge and skill necessary to provide professional services competently.

Competence means attaining and maintaining an adequate level of knowledge and skill, and application of that knowledge and skill in providing services to clients. Competence also includes the wisdom to recognize the limitations of that knowledge and when consultation with other professionals is appropriate or referral to other professionals necessary. Certificants make a continuing commitment to learning and professional improvement.

Principle 4 – Fairness: Be fair and reasonable in all professional relationships. Disclose conflicts of interest.

Fairness requires impartiality, intellectual honesty and disclosure of material conflicts of interest. It involves a subordination of one’s own feelings, prejudices and desires so as to achieve a proper balance of conflicting interests. Fairness is treating others in the same fashion that you would want to be treated.

Principle 5 – Confidentiality: Protect the confidentiality of all client information.

Confidentiality means ensuring that information is accessible only to those authorized to have access. A relationship of trust and confidence with the client can only be built upon the understanding that the client’s information will remain confidential.

Principle 6 – Professionalism: Act in a manner that demonstrates exemplary professional conduct.

Professionalism requires behaving with dignity and courtesy to clients, fellow professionals, and others in business-related activities. Certificants cooperate with fellow certificants to enhance and maintain the profession’s public image and improve the quality of services.

Principle 7 – Diligence: Provide professional services diligently.

Diligence is the provision of services in a reasonably prompt and thorough manner, including the proper planning for, and supervision of, the rendering of professional services.

CFA Institute Code of Ethics

I will:

Act with integrity, competence, diligence, respect, and in an ethical manner with the public, clients, prospective clients, employers, employees, colleagues in the investment profession, and other participants in the global capital markets.

Place the integrity of the investment profession and the interests of clients above my own personal interests.

Use reasonable care and exercise independent professional judgment when conducting investment analysis, making investment recommendations, taking investment actions, and engaging in other professional activities.

Practice and encourage others to practice in a professional and ethical manner that will reflect credit on ourselves and the profession. Promote the integrity and viability of the global capital markets for the ultimate benefit of society.

Maintain and improve my professional competence and strive to maintain and improve the competence of other investment professionals.

Adhere to this code of ethics.

The American College Code of Ethics

The American College sponsors the ChFC® designation.

To underscore the importance of maintaining ethical standards in financial services, the Board of Trustees of The American College of Financial Services adopted a Code of Ethics in 1984. Embodied in the Code are the designees’ Professional Pledge and eight Canons.

The Canons

1.Conduct yourself at all times with honor and dignity.

2. Avoid practices that would bring dishonor upon your profession or The American College.

3. Publicize your achievements in ways that enhance the integrity of your profession.

4. Continue your studies throughout your working life so as to maintain a high level of professional competence.

5. Do your utmost to attain a distinguished record of professional service.

6. Support the established institutions and organizations concerned with the integrity of your profession.

7. Participate in building your profession by encouraging and providing appropriate assistance to qualified persons pursuing professional studies.

8. Comply with all laws and regulations, particularly as they relate to professional and business activities.

The Professional Pledge

“In all my professional relationships, I pledge myself to the following rule of ethical conduct: I shall, in light of all conditions surrounding those I serve, which I shall make every conscientious effort to ascertain and understand, render that service which, in the same circumstances, I would apply to myself.”

CAIA Association Code of Ethics

Each Applicant and Member (each the “Individual”) must fully abide by this Code of Ethics.

1. In the five (5) years preceding the Individual’s initial execution of the Candidate and Member Agreement, the Individual has not been

(a) involved as a defendant, respondent, or primary subject in any litigation, arbitration, or investigation based on the Individual’s professional conduct;

(b) the subject of a written complaint regarding the Individual’s professional conduct;

(c) convicted of a felony or another crime punishable by more than one (1) year in prison;

(d) prevented, due to misconduct or complaints against the Individual, from

(i) acting under any mandatory professional license or registration (e.g., investment adviser or broker);

(ii) acting as an affiliated person or employee of any entity required to be registered under any law or regulation (e.g., investment company or bank);

(iii) trading on any securities market.

2. The Individual shall promptly inform CAIAA if the Individual becomes

(a) involved as a defendant, respondent ,or primary subject in any litigation, arbitration, or investigation based on the Individual’s professional conduct;

(b) the subject of a written complaint regarding the Individual’s professional conduct;

(c) convicted of a felony or another crime punishable by more than one (1) year in prison;

(d) prevented, due to misconduct or complaints against the Individual, from

(i) acting under any mandatory professional license or registration (e.g., investment adviser or broker);

(ii) acting as an affiliated person or employee of any entity required to be registered under any law or regulation (e.g., investment company or bank);

(iii) trading on any securities market.The Individual shall provide CAIAA with a statement of disclosure regarding any such complaints or suits as the CAIA Association may request, from time to time, in its sole discretion.

3. All information provided to CAIAA is and shall be true to the best of the Individual’s knowledge and belief at the time such information is provided to CAIAA. The Individual shall provide to CAIAA, within a reasonable time period, any documentation that CAIAA may request regarding any information provided, and representations made, by the Individual. The Individual consents to CAIAA’s investigation of any representations the Individual makes to CAIAA.

4. The Individual shall comply with all applicable laws, rules, and regulations of any government, regulatory organization, licensing agency, or professional association governing its professional activities.

5. The Individual shall not engage in any professional conduct involving dishonesty, fraud, or deceit, or commit any act that reflects adversely on his or her professional reputation, integrity, or competence.

6. The Individual shall not misrepresent or exaggerate the meaning or implications of his or her relationship with CAIAA.

7. The Individual shall fully comply with his or her obligations under the Candidate and Member Agreement, and the Individual will immediately notify CAIAA if he or she is not in full compliance with such obligations.

8. The Individual shall not engage in any conduct that compromises the reputation or integrity of CAIAA

Sanitas

Wealth Management, LLC

Main Office: Map It

4845 Pearl East Circle, Suite 101

Boulder, CO 80301

Tel: (303) 325-7945

E-Mail: info@sanitaswealth.com

Office Hours: By Appointment

Additional Office Locations

  Louisville / Broomfield

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Content Copyright 2017 by Sanitas Wealth Management, LLC. All Rights Reserved. Sanitas Wealth Management is an Investment Adviser in Colorado.