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Frequently Asked Questions

Client Centered

If you want to learn more about SAA Financial, what we do and how we can serve you, explore the FAQ below. You can also contact us with any questions you may have or to schedule a complimentary consultation.

What does SAA Financial do?

We are a full-service investment advisory firm that provides its clients with professional investment management services through the implementation of globally diversified and tactically managed portfolio models and offer our all-inclusive portfolio management at a low annual fee. We have comprehensive service offerings to help you prepare for all aspects of your financial life. SAA Financial can work as your go-to resource for all of your financial decisions.

Does SAA only work with 403(b) plan participants?

No. We work with individual investors who have an investment assets and are in need of professional portfolio management. We have more than 20 years experience managing retirement accounts though, and so have a specialty with Fidelity plan participant 403(b) retirement accounts.

At what age should I consider calling SAA Financial to help manage my investable assets?

At SAA Financial, we want to be your financial partner for life. Whether you’re just beginning your career, coming to the end of it or are anywhere in between, we have investment management solutions for you. Our investment objective is to help you create, grow and preserve your wealth for life’s biggest events. No matter where you are on your professional journey, SAA Financial wants to help you.

What are the fees associated with SAA Financial investment management?

As one of our valued clients, you will pay a low annual asset-based fee of 1.25 percent for your employer-sponsored plan accounts (403(b)/401(k)/457) held at Fidelity and/or an annual fee of 1.5 percent for investment portfolio management and all other retirement accounts (IRA, Roth, trust, etc.) held at Fidelity Institutional ®

What else is included in the annual management fee?

SAA Financial’s annual fee covers all costs, including trading fees. We do not charge additional fees based on account size.

What is your fiduciary responsibility when it comes to my money?

As a fiduciary, we are bound both legally and ethically to act on behalf of our clients best interests, with a duty to preserve good faith and trust. As your investment advisor, we must, at all times, serve your best interest and not subordinate your interest for our own.

What is different about using SAA Financial to manage my retirement plan?

We provide our clients direct access to professional, sophisticated portfolio management services for one all-inclusive low annual fee, regardless of the size of the account. Unlike target date funds or firms that implement a “one size fits all” investment strategy approach based on your current age and the age at which you plan on retiring, we provide customized advice and take a more personal approach when investing in your retirement future. By identifying our clients’ investment objectives, their time horizon, risk tolerance and retirement goals, we create a long-term, personalized investment management plan unique to their requirements. We believe the plan participant deserves more than an 800 number when they have questions or concerns relating to their retirement future. At SAA Financial, you are not just a number; you are a long-term relationship.

Do I need to have a specific amount of money to work with SAA Financial?

No. SAA Financial does not have account restrictions associated with a minimum or maximum account value.

How do I hire SAA Financial to manage my retirement accounts?

You can start working with SAA Financial by calling our office or emailing us at . SAA Financial can accommodate whatever is easiest for you. Get started today.

How do you help business owners?

We provide comprehensive 401(k) management solutions including managing the assets within a 401(k) plan as well as provide continuing, comprehensive employee education programs.

Why does SAA Financial use Fidelity Investments as the custodian for 403(b) accounts?

Fidelity Investments (Fidelity) was founded in 1946 by Edward C. Johnson II and today is one of the largest mutual fund company in the world. Fidelity is one of the nation’s top providers of 403(b) retirement savings plans for not-for-profit organizations, including colleges and universities, healthcare institutions, foundations and charitable organizations.

Why should I hire SAA Financial to manage my Fidelity 403(b) account?

For more than 60 years, Fidelity has been helping 403(b) plan participants reach their financial goals. For more than 20 years, SAA Financial has been working with Fidelity to offer 403(b) management solutions to plan participants in the Metro Detroit area. In fact, SAA Financial is one of the largest independent firms that manage individual Fidelity 403(b) accounts. Their platform is one you can trust, and our portfolio solutions will help to put the Fidelity platform to work for you.

How are you different from other investment advisory firms when managing my 403(b)?

Many investment advisors certainly offer valuable advice, but could lack the time or experience needed to actively manage your individual 403(b), 401(k), or 457 retirement account. SAA Financial has made plan participants their priority and focus. 403(b) participants deserve independent 403(b) specialists managing their retirement plan accounts. We pride ourselves on providing a service that caters to the individual plan participant.

I manage my finances pretty well on my own. Why should I consider SAA Financial?

We wholeheartedly support the effort of the individual taking greater control of their retirement assets, but unless you have the time, experience, training and research available, it may make more sense to let a team act on your behalf to handle those responsibilities. Planning for retirement is tough and achieving your retirement goals is a full time job.

How will you communicate with me?

We use a combination of email, phone calls, and postal mail to communicate with our clients. Because we work for our clients, we accommodate their needs and preferences for communication.

Where is SAA Financial located?

Where is SAA Financial located?

We are conveniently located in Troy at 3150 Livernois, Troy, MI, 48083, Suite 235 

How do you educate your clients about the investment process and their specific portfolios?

We believe in full transparency and our entire investment process is explained in detail during our advisor-client meetings. We are always just a phone call away to answer any questions you may have regarding your financial situation. We make every effort to ensure we are available for our clients when and where they need us.

How can I review my Fidelity* accounts online?

Yes. Once you have established either a Fidelity* 403(b) or Fidelity Institutional ® account (Roth, IRA, trust, individual, etc.), you will need to set up a username and password at the below Fidelity websites. Once you have set up a username and password, you will have access to review your account details at your convenience. 

403(b) Account Access

Fidelity Institutional ® is an independent company, unaffiliated with SAA Financial ("SAA") and Kovack Securities (Kovack). Fidelity is a service provider to both. There is no form of legal partnership, agency affiliation, or similar relationship between your financial advisor and Fidelity, nor is such a relationship created or implied by the information herein. Fidelity has not been involved with the preparation of the content supplied by SAA and Kovack and does not guarantee, or assume any responsibility for, its content. Fidelity is a registered service mark of FMR LLC. Fidelity Institutional ® provides clearing, custody, or other brokerage services through National Financial Services LLC or Fidelity Brokerage Services LLC, Members NYSE, SIPC. 990477.1.0

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