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The fee is billed in arrears and is negotiable.","source":"CWS FINANCIAL PART 2A, filed 24 July 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does CWS Financial Advisors use?","answer":"CWS Financial Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $1.32B. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 24 July 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does CWS Financial Advisors have?","answer":"CWS Financial Advisors has 6 investment adviser representatives registered with state securities authorities, out of 12 employees, and 5 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does CWS Financial Advisors invest in?","answer":"At the end of its last fiscal year, CWS Financial Advisors’ separately managed accounts held 75% registered funds (mutual funds, ETFs, BDCs), 16% exchange-traded equities, 8% cash and equivalents and 1% other. The 1% other category is described as: Annuities.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns CWS Financial Advisors?","answer":"CWS Financial Advisors is owned through a chain of holding companies by Alpine Investors IX, LP and Alpine Investors IX-A, LP. Its direct owner is Aspen Standard Group, LLC (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 24 July 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does CWS Financial Advisors get paid?","answer":"CWS Financial Advisors is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact CWS Financial Advisors?","answer":"CWS Financial Advisors’ main office is at 405 West Michigan Avenue, Suite 110, Kalamazoo, MI 49007. Its phone number is 269-349-4600. 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