Description of Services and Fees Cahill Wealth Management LLC is a registered investment adviser based in Portage, Michigan. We are organized as a limited liability company under the laws of the State of Michigan. We have been providing investment advisory services since 2005. We are owned by Ryan D. Cahill and Lisa A. Cahill. Currently, we offer the following fee only investment advisory services, which are personalized to each individual client:
•Financial Planning Services
•Wealth Management and Portfolio Management Services The following paragraphs describe our services and fees. Please refer to the description of each investment advisory service listed below for information on how we tailor our advisory services to your individual needs. As used in this brochure, the words "we", "our" and "us" refer to Cahill Wealth Management LLC and the words "you", "your" and "client" refer to you as either a client or prospective client of our firm. Also, you may see the term Associated Person throughout this brochure. As used in this brochure, our Associated Persons are our firm's officers, employees, and all individuals providing investment advice on behalf of our firm. The use of these terms is not intended to imply that there is more than one individual associated with this firm.
Financial Planning Services We offer ongoing Financial Planning advice. If you elect to participate in this service you may receive a written financial plan that is used to assist us in organizing your financial information and determining the scope of services that are most suitable for your specific financial situation and investment needs. Financial planning services can simplify and determine financial and investment alternatives by: 1. Defining and narrowing your objectives and investment options 2. Identifying areas of your greatest concern 3. Creating a unique picture of your overall financial situation 4. Providing an effective and efficient way for us to address your unique financial needs and objectives.
We charge an hourly rate of $200, subject to negotiation, for this service and the preparation of a written financial plan. An estimate of the time involved to complete the financial plan will be determined at the inception of the advisory relationship. The final fee is directly dependent upon the facts and circumstances of your financial situation and the complexity of the required services. An upfront fee of 50% is charged with the remainder due and payable upon presentation of the written financial plan.
Financial plans are based on your financial situation at the time the plan is prepared. You are advised that certain assumptions may be made with respect to interest and inflation rates, as well as past trends, historical market performance, and the economy. Past performance is in no way an indication of future results. We cannot offer any guarantees or promises that your financial goals and objectives will be met. If and when your financial situation, goals, objectives, or needs change, you must notify us promptly.
Upon completion of the written financial plan, we will provide implementation services through our wealth management and portfolio management services, as described more fully below. We may also work in conjunction with your other professional advisers, e.g. accountant or legal at your expense. Under such arrangements, we will act as a project manager to coordinate the work of the appropriate parties in a manner consistent with your objectives.
5 Wealth Management and Portfolio Management Services We offer wealth management services, which consists of ongoing financial advice and discretionary investment management. Our investment advice is tailored to meet our clients' needs and investment objectives. If you retain our firm for wealth management services, we will meet with you to determine your investment objectives, risk tolerance, and other relevant information (the "suitability information") at the beginning of our advisory relationship. We will use the suitability information we gather to develop a strategy that enables our firm to give you investment recommendations consistent with your financial goals. Our wealth management services includes the following components:
•Assessment of Short- and Long-Term Financial Goals, Current and Future Resources, Projected Income and Capital Needs
•Cash Management and Cash Flow Analysis
•Retirement Planning including Pension and Social Security Analysis
•Tax Planning including Tax Strategies for Investment Portfolios as well as Estate Tax Minimization
•Evaluation of Estate Planning Documents
•Determination of Investment Objectives, Investment Time Horizon, and Risk Profile
•Guidance in the Selection of an Appropriate Asset Allocation Policy
•Preparation of a Written Investment Policy Statement
•Implementation of Investment Program
•Ongoing Discretionary Portfolio Management
•Defined- Contribution and Defined Benefit Plan Analysis
•Non-Qualified Pension or Supplemental Pension Analysis
•Long-Term Compensation Plan Analysis
•Employee Stock Option Analysis
•Restricted Stock Unit Analysis
•Employee Health Care Plan Analysis
•Severance Package and Relocation Package Analysis
•Reporting

of Transactions, Asset Values, and Investment Performance
•Monitoring, Performance Analysis, and Strategy Review to Ensure that Investment Strategies are Appropriate to Evolving Financial Circumstances and Objectives
•Insurance Policy Analysis
•Business Planning (including Succession Planning and Consultation Regarding Qualified and Non-Qualified Employee Benefit Plans)
•Communication of Changes Recommended to Portfolio Allocation We provide portfolio management services where the investment advice provided is custom tailored to meet your investment needs and objectives. We manage accounts on a discretionary basis. Pursuant to a grant of discretionary authority, subject to any written guidelines or restrictions you may place on us, we will perform various investment functions, on your behalf and at your expense, without further approval from you.
Our annual fee for the wealth management and portfolio management services is billed quarterly in advance based on the market value of your managed assets on the last day of the preceding quarter. Our fees will be assessed pro rata in the event the portfolio management agreement is executed at any time other than the first day of a billing period. On an annualized basis, our fees for portfolio management services, subject to negotiation, are based on the following tiered fee schedule: 6 Portfolio SizeAnnualized Fee* First $3,000,000 1.00% (.002500 per quarter) Next $2,000,000 0.80% (.002000 per quarter) Over $5,000,0000.50% (.001250 per quarter) * We impose a minimum fee of $1,875 per quarter or $7,500 annually which may be negotiated or waived at our discretion.
We will either invoice you directly for management fees or payment will be made by the qualified custodian holding your funds and securities, provided you supply written authorization permitting our fees to be paid directly from your account. We will not have access to your funds for payment of fees without written consent from you. Further, the qualified custodian agrees to deliver an account statement, at least monthly, directly to you, showing all disbursements from your account. We encourage you to review all account statements for accuracy. We will receive a duplicate copy of your statement.
In our discretion, we may allow accounts of members of the same household to be aggregated for purposes of determining our advisory fee. We may allow such aggregation, for example, where we service accounts on behalf of your children, individual and joint accounts for a spouse, and other types of related accounts. This consolidation practice is designed to allow you the benefit of an increased asset total, which could result in a reduction of the advisory fee.
You may terminate the portfolio management agreement by providing 7 days' written notice to the other party. Unearned fees will be promptly refunded to you.
IRA Rollover Recommendations Effective December 20, 2021 (or such later date as the US Department of Labor ("DOL") Field Assistance Bulletin 2018-02 ceases to be in effect), for purposes of complying with the DOL's Prohibited Transaction Exemption 2020-02 ("PTE 2020-02") where applicable, we are providing the following acknowledgment to you.
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 and/or the Internal Revenue 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. 7 We benefit financially from the rollover of your assets from a retirement account to an account that we manage or provide investment advice, because the assets increase our assets under management and, in turn, our advisory fees. As a fiduciary, we only recommend a rollover when we believe it is in your best interest.
Types of Investments We may advise you on any type of investment that we deem appropriate based on your stated goals and objectives. We may also provide advice on any type of investment held in your portfolio at the inception of our advisory relationship.
You may request that we refrain from investing in particular securities or certain types of securities. You must provide these restrictions to our firm in writing.
Assets Under Management As of February 26, 2024, we provide continuous management services for $378,330,372 in client assets on a discretionary basis, and $0 in client assets on a non-discretionary basis.