Description of Advisory Firm Vincere Wealth Management, LLC (“VWM” or the “Firm”)is registered as an investment adviser with the U.S.
Securities and Exchange Commission. We were founded in 2018. Josh Bennett and Tim Uihlein are the principal owners of VWM.
Types of Advisory Services Investment Management Services We are in the business of managing individually tailored investment portfolios. The Firm provides continuous advice to clients regarding the investment of funds based on the individual needs of each client. Through personal discussions in which goals and objectives based on a client's particular circumstances are established, we develop a client's personal investment policy with an asset allocation target and create and manage a portfolio based on that policy and allocation targets. We may also review and discuss a client’s prior investment history, as well as family composition and background.
Account supervision is guided by the stated objectives of the client (e.g., maximum capital appreciation, growth, income, or growth and income), as well as tax considerations. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Fees pertaining to this service are outlined in Item 5 of this brochure.
Financial Planning We provide financial planning services on topics such as retirement planning, risk management, college savings, cash flow, debt management, work benefits, estate and incapacity planning, and investment plan development.
Financial planning is a continuing evaluation of a client’s current and future financial state by using currently known variables to estimate future cash flows, asset values and withdrawal plans. The key defining aspect of financial planning is that through the financial planning process, all questions, information and analysis will be considered as they affect and are affected by the entire financial and life situation of the client. Clients purchasing this service will receive a written or an electronic report, providing the client with a detailed financial plan designed to achieve his or her stated financial goals and objectives.
In general, the financial plan will address any or all of the following areas of concern. The client and VWM will work together to select the specific areas to cover. These areas may include, but are not limited to, the following: ● Business Planning: We provide consulting services for clients who currently operate their own business, are considering starting a business, or are planning for an exit from their current business. Under this type of engagement, we work with you to assess your current situation, identify your objectives, and develop a plan aimed at achieving your goals.
● Cash Flow and Debt Management: We will conduct a review of your income and expenses to determine your current surplus or deficit along with advice on prioritizing how any surplus should be used or how to reduce expenses if they exceed your income. Advice may also be provided on which debts to pay off first based on factors such as the interest rate of the debt and any income tax ramifications. We may also recommend what we believe to be an appropriate cash reserve that should be considered for emergencies and other financial goals, along with a review of accounts (such as money market funds) for such reserves, plus strategies to save desired amounts.
● College Savings: Includes projecting the amount that will be needed to achieve college or other post-secondary education funding goals, along with advice on ways for you to save the desired amount.
Recommendations as to savings strategies are included, and, if needed, we will review your financial picture as it relates to eligibility for financial aid or the best way to contribute to grandchildren (if appropriate).
● Employee Benefits Optimization: We will provide review and analysis as to whether you, as an employee, are taking the maximum advantage possible of your employee benefits. If you are a business owner, we will consider and/or recommend the various benefit programs that can be structured to meet both business and personal retirement goals.
● Estate Planning: This usually includes an analysis of your exposure to estate taxes and your current estate plan, which may include whether you have a will, powers of attorney, trusts and other related documents. Our advice also typically includes ways for you to minimize or avoid future estate taxes by implementing appropriate estate planning strategies such as the use of applicable trusts.
We always recommend that you consult with a qualified attorney when you initiate, update, or complete estate planning activities. We may provide you with contact information for attorneys who specialize in estate planning when you wish to hire an attorney for such purposes. From time-to-time, we will participate in meetings or phone calls between you and your attorney with your approval or request.
● Financial Goals: We will help clients identify financial goals and develop a plan to reach them. We will identify what you plan to accomplish, what resources you will need to make it happen, how much time you will need to reach the goal, and how much you should budget for your goal.
● Insurance: Review of existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home and automobile.
● Investment Analysis and Plan Development: This may involve developing an asset allocation strategy to meet clients’ financial goals and risk tolerance, providing information on investment vehicles and strategies, reviewing employee stock options, as well as assisting you in establishing your own investment account at a selected broker/dealer or custodian. The strategies and types of investments we may recommend are further discussed in Item 8 of this brochure.
● Retirement Planning: Our retirement planning services typically include projections of your likelihood of achieving your financial goals, typically focusing on financial independence as the primary objective. For situations where projections show less than the desired results, we may make recommendations, including those that may impact the original projections by adjusting certain variables (e.g., working longer, saving more, spending less, taking more risk with investments).
If you are near retirement or already retired, advice may be given on appropriate distribution strategies to minimize the likelihood of running out of money or having to adversely alter spending during your retirement years.
● Risk Management: A risk management review includes an analysis of your exposure to major risks that could have a significant adverse impact on your financial picture, such as premature death, disability, property and casualty losses, or the need for long-term care planning. Advice may be provided on ways to minimize such risks and about weighing the costs of purchasing insurance versus the benefits of doing so and, likewise, the potential cost of not purchasing insurance (“self-insuring”).
● Tax Planning Strategies: Advice may include ways to minimize current and future income taxes as a part of your overall financial planning picture. For example, we may make recommendations on which type of account(s) or specific investments should be owned based in part on their “tax efficiency,” with consideration that there is always a possibility of future changes to federal, state or local tax laws and rates that may impact your situation.
We recommend that you consult with a qualified tax professional before initiating any tax planning strategy, and we may provide you with contact information for accountants or attorneys who specialize in this area if you wish to hire someone for such purposes. We will participate in meetings or phone calls between you and your tax professional with your approval.
Continuing Financial Planning This service involves working one-on-one with a planner over an extended period of time. By paying a fixed monthly fee, clients get to work with a planner who will work with them to design their plan. The planner will monitor the plan, recommend any changes and ensure the plan is up to date.
Upon desiring a continuing plan, a client will be taken through establishing their goals and values around money.
They will be required to provide information to help complete the following areas of analysis: net worth, cash flow, insurance, credit scores/reports, employee benefit, retirement planning, insurance, investments, college planning and estate planning. Once the client’s information is reviewed, their plan will be built and analyzed, and then the findings, analysis and potential changes to their current situation will

be reviewed with the client.
Clients subscribing to this service will receive a written or an electronic report, providing the client with a detailed financial plan designed to achieve his or her stated financial goals and objectives. If a follow up meeting is required, we will meet at the client's convenience. The plan and the client’s financial situation and goals will be monitored throughout the year and follow-up phone calls and emails will be made to the client to confirm that any agreed upon action steps have been carried out. On an annual basis there will be a full review of this plan to ensure its accuracy and ongoing appropriateness. Any needed updates will be implemented at that time.
Financial Planning Disclosure For clients who receive our Financial Planning services, we must state when a conflict exists between the interests of our firm and the interests of our client. The client is under no obligation to act upon our recommendation. If the client elects to act on any of the recommendations, the client is under no obligation to effect the transaction through our firm.
Package Services In August 2020, VWM rolled out three specific service packages through which clients can receive specifically-tailored investment management and financial planning: the Wealth Starter, Wealth Builder, and Wealth Conqueror. The specific investment management and financial planning services included within each package are listed below: Wealth StarterWealth BuilderWealth Conqueror Services Included● Onboarding financial audit (analysis of your situation and create a map to improve) ● 2 onboarding meetings ● 4 quarterly meetings ● Investment Management & Analysis ● Year-round email / chat support ● Mostly client-directed with Adviser support ● Upfront “Low hanging fruit” analysis ● Grow more money: (1) 401K analysis, (2) Investment management and analysis, (3) Stock compensation analysis, (4) Crypto portfolio analysis and reporting (<$250,000 in assets), (5) Real estate analysis (2 or less rental properties) ● Keep More Money: (1) Risk analysis, (2) Yearly tax analysis, (3) Beneficiary audit, (4) Estate analysis, and (5) Social Security Analysis ● Earn More Money: (1) Business revenue and profit analysis for simple business structures, (2) Business process analysis, (3) Salary benchmarking for W2 employees, and (4) College savings analysis ● Access to Swan Bitcoin to facilitate access to and visibility of bitcoin positions ● Upfront “Low hanging fruit” analysis ● Grow more money: (1) 401K analysis, (2) Investment management and analysis, (3) Stock compensation analysis, (4) Deeper access to alternative investments (5) Crypto portfolio analysis and reporting (>$250,000 in assets), (6) Real estate analysis (more than 2 rental properties) ● Keep More Money: (1) Risk analysis, (2) Yearly tax analysis, (3) Beneficiary audit, and (4) Estate analysis ● Earn More Money: (1) Business revenue and profit analysis for complex business structures, (2) Business process analysis, (3) Salary benchmarking for W2 employees, and (4) College savings analysis ● Access to Swan Bitcoin to facilitate access to and visibility of bitcoin positions Wealth StarterWealth BuilderWealth Conqueror FeesOnboarding Fee: $600 (single) / $750 (couple or family) Monthly Fee: $150 Annual AUM Fee: 0.75% Minimum Annual Fee: None Onboarding Fee: $0 Monthly Fee: $300 Annual AUM Fee: 0.75% Minimum Annual Fee: $3,000 Onboarding Fee: $0 Monthly Fee: $500 Annual AUM Fee: 0.75% Minimum Annual Fee: $6,000 Add-On Services & FeesCollege Funding $2,5000 Divorce Planning $3,000 to $5,000 Student Loan Planning $1,000 Business Planning $5,000 All Wealth Starter Add-On Services are discounted by 50%.
All Wealth Starter Add-On Services are included with white glove concierge service at no extra charge.
Furthermore: ● College funding includes additional services ● ACT/SAT Prep is included for kids ● Discounts are available for College Admission Counseling ● Scholarship research is included ● Transition planning services are included ● Family governance planning is included Though it is anticipated that most existing clients will transition to one of the three service packages, this transition may take some time. Additionally, certain clients may be grandfathered-in to the services they are currently receiving and the fees they are currently paying as described in other sections of this Brochure and as specifically contained in such clients’ respective investment management and/or financial planning agreement.
Outstanding invested margin balances, cash, and cash equivalents are included for purposes of calculating the applicable asset-based fees described above. To the extent a client deposits or withdraws more than $5,000 during an applicable billing period, a prorated advisory fee will be charged or refunded, respectively, in consideration of such deposit or withdrawal.
Sub-advisory and Turnkey Asset Management Program (“TAMP”) Services VWM also serves as a sub-adviser or TAMP to certain independently-registered investment advisers (“Independent Advisers”) that have engaged us to provide certain advisory, administrative, and back-office services. Such services can include, but are not necessarily limited to: ● Developing and managing model investment portfolios (“Model Portfolios”) that Independent Advisers can implement with their respective clients; ● Buying and selling securities in the respective client accounts of Independent Advisers pursuant to a limited power of attorney, and in accordance with the particular circumstances and needs of such respective clients; ● Providing periodic reports and analyses to be delivered to the clients of Independent Advisers and/or Independent Advisers themselves; Sub-advisory and TAMP services are provided pursuant to a written agreement between VWM and the Independent Adviser.
Third-Party Advisers From time to time and when appropriate for a particular client, Adviser will recommend or retain an independent and third-party investment adviser (“Third-Party Adviser”) to manage all or a portion of a client’s portfolio. Third-Party Advisers are evaluated based on a variety of factors, not the least of which include performance return history, asset class specialization, management tenure, and risk profile. Adviser will conduct due diligence as appropriate to confirm that such Third-Party Advisers are duly registered and otherwise well-equipped to manage such clients’ accounts. Adviser generally retains the discretionary authority to hire or fire such Third-Party Advisers with or without notice to the client. As of the date of this brochure, Adviser generally recommends the utilization of Ethic Inc. (“Ethic”) as a Third-Party Adviser.
Client Tailored Services and Client Imposed Restrictions We offer the same suite of services to all of our clients (with the exception of Sub-advisory and TAMP services, which are provided only in conjunction with an Independent Adviser). However, specific client financial plans and their implementation are dependent upon the client Investment Policy Statement which outlines each client’s current situation (income, tax levels, and risk tolerance levels) and is used to construct a client specific plan to aid in the selection of a portfolio that matches restrictions, needs, and targets.
Wrap Fee Programs We do not participate in wrap fee programs.
ERISA Accounts When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (the “Code”), as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must: ● Meet a professional standard of care when making investment recommendations (give prudent advice); ● Never put our financial interests ahead of yours when making recommendations (give loyal advice); ● Avoid misleading statements about conflicts of interest, fees, and investments; ● Follow policies and procedures designed to ensure that we give advice that is in your best interest; ● Charge no more than is reasonable for our services; and ● Give you basic information about conflicts of interest.
Assets Under Management As of December 31, 2023, the Firm manages $62,012,126 in discretionary client assets and $0 in non-discretionary client assets.