Credentialed Wealth Advisors, LLC (hereinafter called “CWA”) is a Registered Investment
Adviser based in Colorado Springs, Colorado, and incorporated under the laws of the State of
Colorado. CWA is owned by Julian Heron and Roy Hucke. CWA is registered with the SEC
and subject to the rules and regulations of the US Advisers Act. Founded in February 2021,
CWA provides investment advisory services, which may include, but are not limited to, the
review of client investment objectives and goals, recommending asset allocation strategies of
managed assets among investment products such as cash, stocks, mutual funds and bonds,
annuities, and/or preparing written investment strategies. Our investment advice is tailored to
meet our clients’ needs and investment objectives. Clients may impose restrictions on investing
in certain securities or types of securities (such as a product type, specific companies, specific
sectors, etc.) by providing a signed and dated written notification, of which an e-mail is also an
acceptable form of notification. CWA also provides financial planning consulting services
including, but not limited to, risk assessment/management, investment planning, estate planning,
financial organization, or financial decision making/negotiation.
CWA provides investment advisory and other financial services through its Investment Advisory
Representatives ("IAR") to accounts opened with CWA. Managed Accounts are available to
individuals and high net worth individuals.
CWA provides discretionary and non-discretionary investment advisory services to some of its
clients through various managed account programs. CWA will assist clients in determining the
suitability of the managed account programs for the client. The IAR is compensated through a
comprehensive single fee and the account may be assessed other charges associated with
conducting a brokerage business. CWA and its IAR, as appropriate, will be responsible for the
following:
• Performing due diligence
• Recommending strategic asset and style allocations
• Providing research on investment product options, as needed
• Providing client risk profile questionnaire
• Obtaining investment advisory contract from client with required financial, risk tolerance,
suitability and investment vehicle selection information for each new account
• Performing client suitability check on account documentation, review the investment
objectives and evaluate the investment vehicle selections
• Providing Firm Brochure (this document)
Held Away Account Asset Management
We use various third-party platforms to facilitate management of held away assets, such as
defined contribution plan participant accounts, with discretion. The platform allows us to avoid
being considered to have custody of Client funds since we do not have direct access to Client
log-in credentials to affect trades. We are not affiliated with the platforms in any way and
receive no compensation from them for using one of their platforms. When deemed necessary
and with your assistance, Adviser will help rebalance
the account considering client
investment goals and risk tolerance, and any change in allocations will consider current
economic and market trends. The goal is to improve account performance over time and
manage internal fees that harm account performance.
ASSET MANAGEMENT PROGRAMS
Certain Legacy Clients – NO MINIMUM
This option is designed for clients who are former brokerage clients of one of the owners, who
desire minimal trading and a “buy and hold” strategy. The investment needs or desires are
relatively simple, but they would still like the oversight and advice based on their goals and
objectives. Advisor will review the account(s) with the Client on an annual basis.
ASSISTED INVESTING
With a financial advisor by your side, you'll embark on a thrilling journey to create a
personalized financial plan that takes into account your dreams, your appetite for risk, and the
pesky tax situation you find yourself in. Armed with this roadmap, your advisor will then guide
you on how to distribute your hard-earned cash among a smorgasbord of investment options. The
final mix of investments will be a delicate dance between your aspirations, your courage in the
face of risk, and the ever-present tax monster lurking in the shadows.
CUSTOM INVESTING
For those looking to spice up their investment journey we offer our Custom Investing solution
where we build on our Assisted Investing's offerings while opening up more investment options
and strategies to fine tune your investments to fit your life's unique complications. This program
is a great fit for those that have high tax concerns or concentrated stocks or business risks
requiring unusual liquidity or offerings. The program is designed to increase capacity for
individual securities, derivatives or other more advanced investment methodologies.
Retirement Plan Services
The firm offers retirement plan services on a fiduciary basis as either a 3(21) or 3(38) adviser.
Under the 3(21) business model, the firm reviews retirement plan portfolios and offers
recommendations to Plan Sponsors for suggested changes to be made within the fund(s). As a
3(21) adviser, the firm does not have discretionary authority with respect to the fund and the Plan
Sponsor can accept or reject the recommendations put forth by the firm. Under the 3(38)
business model, the firm still operates as a plan fiduciary but with discretionary authority as well.
Therefore, the firm is able to engage in transactions and allocation that impact the portfolio’s
assets without requiring prior approval for each transaction. The firm also offers retirement plan
consulting services that include more direct involvement with the plan investors. These services
include, but are not necessarily limited to, education, service, communication, group
presentations, one on one financial planning, risk analysis, and investment selections for plan
and/or participant.
The firm has the following assets under management (AUM) as of January 2, 2024:
Discretionary AUM of $80,050,887 and Non-Discretionary AUM of $55,857,923.
Form ADV, Part 2A, Item 5