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accounts require a $50,000 minimum, which may make the service less accessible to smaller investors.",[984],{"type":129,"attrs":985},{"color":773},{"type":820,"content":987},[988],{"type":18,"attrs":989,"content":990},{"textAlign":34},[991,997],{"text":992,"type":22,"marks":993},"Layered fee structure:",[994,996],{"type":129,"attrs":995},{"color":773},{"type":38},{"text":998,"type":22,"marks":999}," Managed accounts charge 0.25% to 1.50% of assets, while separate financial planning can cost $25 to $500 per hour or a flat fee. 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size?",[1243,1245],{"type":129,"attrs":1244},{"color":773},{"type":38},{"type":18,"attrs":1247,"content":1248},{"textAlign":34},[1249],{"text":1250,"type":22,"marks":1251},"MWAFS requires a $50,000 minimum account balance, though the firm reserves the right to waive the minimum. ",[1252],{"type":129,"attrs":1253},{"color":773},{"type":18,"attrs":1255,"content":1256},{"textAlign":34},[1257],{"text":1258,"type":22,"marks":1259},"The minimums for third-party managed accounts vary and may be negotiable at the third-party manager's discretion.",[1260],{"type":129,"attrs":1261},{"color":773},{"type":764,"attrs":1263,"content":1264},{"level":766,"textAlign":34},[1265],{"text":1266,"type":22,"marks":1267},"Who should choose Modern Woodmen of America?",[1268,1270],{"type":129,"attrs":1269},{"color":773},{"type":38},{"type":18,"attrs":1272,"content":1273},{"textAlign":34},[1274],{"text":1275,"type":22,"marks":1276},"Here is a quick look at who MWA may be best suited for, but it’s worth remembering to comprehensively research a firm before deciding to go with it. ",[1277],{"type":129,"attrs":1278},{"color":773},{"type":18,"attrs":1280,"content":1281},{"textAlign":34},[1282],{"text":1283,"type":22,"marks":1284},"Modern Woodmen of America works well for:",[1285],{"type":129,"attrs":1286},{"color":773},{"type":817,"content":1288},[1289,1305,1321],{"type":820,"content":1290},[1291],{"type":18,"attrs":1292,"content":1293},{"textAlign":34},[1294,1300],{"text":1295,"type":22,"marks":1296},"Clients who want advisor involvement:",[1297,1299],{"type":129,"attrs":1298},{"color":773},{"type":38},{"text":1301,"type":22,"marks":1302}," The service suits investors who prefer working with a representative to using a fully digital robo-advisor.",[1303],{"type":129,"attrs":1304},{"color":773},{"type":820,"content":1306},[1307],{"type":18,"attrs":1308,"content":1309},{"textAlign":34},[1310,1316],{"text":1311,"type":22,"marks":1312},"Clients who value planning context: ",[1313,1315],{"type":129,"attrs":1314},{"color":773},{"type":38},{"text":1317,"type":22,"marks":1318},"The planning process can consider retirement, education, asset allocation, insurance needs and other client priorities.",[1319],{"type":129,"attrs":1320},{"color":773},{"type":820,"content":1322},[1323],{"type":18,"attrs":1324,"content":1325},{"textAlign":34},[1326,1332],{"text":1327,"type":22,"marks":1328},"Clients who want control over trades: ",[1329,1331],{"type":129,"attrs":1330},{"color":773},{"type":38},{"text":1333,"type":22,"marks":1334},"Adviser-managed accounts are non-discretionary, so the IAR must get client authorization before initiating transactions.",[1335],{"type":129,"attrs":1336},{"color":773},{"type":18,"attrs":1338,"content":1339},{"textAlign":34},[1340],{"text":1341,"type":22,"marks":1342},"Who might not benefit as much:",[1343],{"type":129,"attrs":1344},{"color":773},{"type":817,"content":1346},[1347,1363,1379],{"type":820,"content":1348},[1349],{"type":18,"attrs":1350,"content":1351},{"textAlign":34},[1352,1358],{"text":1353,"type":22,"marks":1354},"Investors seeking a fully digital robo-advisor: ",[1355,1357],{"type":129,"attrs":1356},{"color":773},{"type":38},{"text":1359,"type":22,"marks":1360},"It’s an advisor-led model, not an automated robo-advisory platform.",[1361],{"type":129,"attrs":1362},{"color":773},{"type":820,"content":1364},[1365],{"type":18,"attrs":1366,"content":1367},{"textAlign":34},[1368,1374],{"text":1369,"type":22,"marks":1370},"Cost-sensitive investors: ",[1371,1373],{"type":129,"attrs":1372},{"color":773},{"type":38},{"text":1375,"type":22,"marks":1376},"The advisory fee can reach 1.50%, and additional fund, brokerage and custodial costs may apply.",[1377],{"type":129,"attrs":1378},{"color":773},{"type":820,"content":1380},[1381],{"type":18,"attrs":1382,"content":1383},{"textAlign":34},[1384,1390],{"text":1385,"type":22,"marks":1386},"Clients below the $50,000 threshold: ",[1387,1389],{"type":129,"attrs":1388},{"color":773},{"type":38},{"text":1391,"type":22,"marks":1392},"The minimum may be a barrier unless waived.",[1393],{"type":129,"attrs":1394},{"color":773},{"type":764,"attrs":1396,"content":1397},{"level":766,"textAlign":34},[1398],{"text":1399,"type":22,"marks":1400},"Modern Woodmen of America: Is it secure?",[1401,1403],{"type":129,"attrs":1402},{"color":773},{"type":38},{"type":18,"attrs":1405,"content":1406},{"textAlign":34},[1407],{"text":1408,"type":22,"marks":1409},"MWAFS is registered with the SEC as an investment adviser and is also a FINRA broker-dealer, meaning the service operates under both investment advisory and brokerage regulatory frameworks.",[1410],{"type":129,"attrs":1411},{"color":773},{"type":18,"attrs":1413,"content":1414},{"textAlign":34},[1415],{"text":1416,"type":22,"marks":1417},"MWAFS does not physically hold client assets. Custody is maintained by a qualified custodian, with clients receiving monthly or quarterly statements and urged to review them.",[1418],{"type":129,"attrs":1419},{"color":773},{"type":18,"attrs":1421,"content":1422},{"textAlign":34},[1423],{"text":1424,"type":22,"marks":1425},"Modern Woodmen also discloses specific information-security measures, including a full-time privacy and information-security team, written security policies and procedures, and information-security tools. ",[1426],{"type":129,"attrs":1427},{"color":773},{"type":18,"attrs":1429,"content":1430},{"textAlign":34},[1431],{"text":1432,"type":22,"marks":1433},"This structure provides basic regulatory and custody safeguards, but it does not eliminate investment risk.",[1434],{"type":129,"attrs":1435},{"color":773},{"type":764,"attrs":1437,"content":1438},{"level":766,"textAlign":34},[1439],{"text":1440,"type":22,"marks":1441},"Modern Woodmen of America: Customer service",[1442,1444],{"type":129,"attrs":1443},{"color":773},{"type":38},{"type":18,"attrs":1446,"content":1447},{"textAlign":34},[1448],{"text":1449,"type":22,"marks":1450},"Support is primarily representative-led. ",[1451],{"type":129,"attrs":1452},{"color":773},{"type":18,"attrs":1454,"content":1455},{"textAlign":34},[1456],{"text":1457,"type":22,"marks":1458},"Modern Woodmen provides customer support through local financial representatives and its headquarters service team. ",[1459],{"type":129,"attrs":1460},{"color":773},{"type":764,"attrs":1462,"content":1463},{"level":766,"textAlign":34},[1464],{"text":1465,"type":22,"marks":1466},"Modern Woodmen of America: Mobile app",[1467,1469],{"type":129,"attrs":1468},{"color":773},{"type":38},{"type":18,"attrs":1471,"content":1472},{"textAlign":34},[1473],{"text":1474,"type":22,"marks":1475},"Modern Woodmen has an official Modern Woodmen mobile app.",[1476],{"type":129,"attrs":1477},{"color":773},{"type":18,"attrs":1479,"content":1480},{"textAlign":34},[1481],{"text":1482,"type":22,"marks":1483},"The app is primarily a member account tool. It supports payments, beneficiary updates, annuity withdrawals, plan statements, tax documents, life insurance and annuity account values, member programs, contact updates and electronic statements. ",[1484],{"type":129,"attrs":1485},{"color":773},{"type":764,"attrs":1487,"content":1488},{"level":766,"textAlign":34},[1489],{"text":1490,"type":22,"marks":1491},"Is Modern Woodmen of America worth it?",[1492,1494],{"type":129,"attrs":1493},{"color":773},{"type":38},{"type":18,"attrs":1496,"content":1497},{"textAlign":34},[1498],{"text":1499,"type":22,"marks":1500},"Modern Woodmen of America’s advisor-led investment management service may be worth considering for clients who want a representative-led relationship and are comfortable with a non-discretionary managed account model. ",[1501],{"type":129,"attrs":1502},{"color":773},{"type":18,"attrs":1504,"content":1505},{"textAlign":34},[1506],{"text":1507,"type":22,"marks":1508},"Its main strengths are human guidance, access to 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