NWK Group, Inc. is a SEC-registered investment adviser with its principal place of business located in
CA. NWK Group, Inc. began conducting business in 2002.
Listed below are the firm's principal shareholders (i.e., those individuals and/or entities controlling 25%
or more of this company).
• Nadim Joseph Nahas, Partner
• Marte Robert Werner, Partner
NWK Group, Inc. offers the following advisory services to our clients:
INVESTMENT SUPERVISORY SERVICES (“ISS”)
INDIVIDIAL PORTFOLIO MANAGEMENT
Our firm provides continuous advice to a client regarding the investment of client funds based on the
individual needs of the 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 and
create and manage a portfolio based on that policy. During our data-gathering process, we determine
the client’s individual objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, we
also review and discuss a client's prior investment history, as well as family composition and
background.
We manage these advisory accounts on a discretionary or non-discretionary basis. Account
supervision is guided by the client's stated objectives (i.e., 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.
Our investment recommendations are not limited to any specific product or service offered by a broker-
dealer or insurance company and will generally include advice regarding the following securities:
• Exchange-listed securities
• Securities traded over-the-counter
• Foreign issuers
• Corporate debt securities (other than commercial paper)
• Commercial paper
• Certificates of deposit
• Municipal securities
• Variable life insurance
• Annuities
• Mutual fund shares
• United States governmental securities
• Options contracts on securities
Because some types of investments involve certain additional degrees of risk, they will only be
implemented/recommended when consistent with the client's stated investment objectives, tolerance for
risk, liquidity and suitability.
INSTITUTIONAL CONSULTING SERVICES
We also provide several advisory services separately or in combination. While the primary clients for
these services will be pension, profit sharing and 401(k) plans, we offer these services, where
appropriate, to individuals and trusts, estates and charitable organizations. Institutional Consulting
Services are comprised of four distinct services. Clients may choose to use any or all of these
services.
Investment Policy Statement Preparation (hereinafter referred to as ''IPS''):
We will meet with the client (in person or over the telephone) to determine an appropriate investment
strategy that reflects the plan sponsor's stated investment objectives for management of the overall
plan. Our firm then prepares a written IPS detailing those needs and goals, including an encompassing
policy under which these goals are to be achieved. The IPS also lists the criteria for selection of
investment vehicles as well as the procedures and timing interval for monitoring of investment
performance.
Selection of Investment Vehicles:
We assist plan sponsors in constructing appropriate asset allocation models. We will then review
various mutual funds (both index and managed) to determine which investments are appropriate to
implement the client's IPS. The number of investments to be recommended will be determined by the
client, based on the IPS.
Monitoring of Investment Performance:
We monitor client investments continually, based on the procedures and timing intervals delineated in
the Investment Policy Statement. Although our firm is not involved in any way in the purchase or sale
of these investments, we supervise the client's portfolio and will make recommendations to the client
as market factors and the client's needs dictate.
Employee Communications:
For pension, profit sharing and 401(k) plan clients with individual plan participants exercising control
over assets in their own account (''self-directed plans''), we may also provide periodic educational
support and investment workshops designed for the plan participants. The nature of the topics to be
covered will be determined by us and the client under the guidelines established in ERISA Section
404(c). The educational support and investment workshops will NOT provide plan participants with
individualized, tailored investment advice or individualized,
tailored asset allocation recommendations.
CASH MANAGEMENT CONSULTING
We provide cash management consulting that customized to pursue a client's particular income tax,
cash flow, and time horizon requirements. In addition, when constructing and implementing portfolios,
we use a defined and disciplined process to evaluate all investments, f unds, and managers to make
certain that they can each stand alone as a quality investment and that they interrelate appropriately.
Money market funds and separate account managers are evaluated to facilitate the implementation of
the client's stated objectives.
NWK assist with development of an Investment Policy Statement designed to establish: (a) investment
objectives, performance expectations and investment guidelines (b) periodic performance reporting
requirements to effectively monitor investment results and ensure the investment policy is being
followed.
NWK provides clients with an evaluation of investment performance, including comparisons to
appropriate market indices and peer ranking. Substantive developments that may affect the
management of portfolio assets are communicated to clients in a timely manner.
FINANCIAL PLANNING
We provide financial planning services. Financial planning is a comprehensive evaluation of a client’s
current and future financial state by using currently known variables to predict future cash flows, asset
values and withdrawal plans. Through the financial planning process, all questions, information and
analysis are considered as they impact and are impacted by the entire financial and life situation of the
client. Clients purchasing this service receive a written report which provides the client with a detailed
financial plan designed to assist the client achieve his or her financial goals and objectives.
In general, the financial plan can address any or all of the following areas:
• PERSONAL: We review family records, budgeting, personal liability, estate information and
financial goals.
• TAX & CASH FLOW: We analyze the client’s income tax and spending and planning for past, current
and future years; then illustrate the impact of various investments on the client's current income tax
and future tax liability.
• INVESTMENTS: We analyze investment alternatives and their effect on the client's portfolio.
• INSURANCE: We review existing policies to ensure proper coverage for life, health, disability, long-
term care, liability, home and automobile.
• RETIREMENT: We analyze current strategies and investment plans to help the client achieve his or
her retirement goals.
• DEATH & DISABILITY: We review the client’s cash needs at death, income needs of surviving
dependents, estate planning and disability income.
• ESTATE: We assist the client in assessing and developing long-term strategies, including as
appropriate, living trusts, wills, review estate tax, powers of attorney, asset protection plans,
nursing homes, Medicaid and elder law.
We gather required information through in-depth personal interviews. Information gathered includes the
client's current financial status, tax status, future goals, returns objectives and attitudes towards risk.
We carefully review documents supplied by the client, including a questionnaire completed by the
client, and prepare a written report. Should the client choose to implement the recommendations
contained in the plan, we suggest the client work closely with his/her attorney, accountant, insurance
agent, and/or stockbroker. Implementation of financial plan recommendations is entirely at the client's
discretion.
We also provide general non-securities advice on topics that may include tax and budgetary
planning, estate planning and business planning.
• Exchange-listed securities
• Securities traded over-the-counter
• Foreign issuers
• Corporate debt securities (other than commercial paper)
• Commercial paper
• Certificates of deposit
• Municipal securities
• Variable life insurance
• Variable annuities
• Mutual fund shares
• United States governmental securities
• Options contracts on securities
Typically, the financial plan is presented to the client within six months of the contract date, provided
that all information needed to prepare the financial plan has been promptly provided.
Financial Planning recommendations are not limited to any specific product or service offered by a
broker-dealer or insurance company. All recommendations are of a generic nature.
AMOUNT OF MANAGED ASSETS
As of 03/06/2024, Discretionary asset under management: $707,671,747.
As of 03/06/2024, Institutional Consulting assets under advisement: $3,075,473,550