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+ What types of charges can I expect when investing with AlphaGlider?

Your non-529 investments are held at TD Ameritrade Institutional (TDAI), one of the largest brokerage firms providing custody services to independent investment advisors like AlphaGlider. Your account will be held solely in your name and AlphaGlider will only have limited authority to trade the account and to deduct our quarterly advisory fee. TDAI is not affiliated with AlphaGlider.

Your 529 plan investments are held at the my529, a low-cost 529 plan provider that offers access to a large menu of Vanguard mutual funds.1 Your 529 account will be held solely in your name and AlphaGlider will only have limited authority to trade the account. my529 is not affiliated with AlphaGlider.

TDAI and my529 will execute transactions based on our instructions and will provide record-keeping services such as trade confirmations, monthly statements (quarterly for my529 accounts), and tax forms.

+ I don't live in Utah. Can I still invest in the my529 program?

You don't need to be a Utah resident or taxpayer to open a my529 account — you can invest in any 529 plan and still enjoy the same federal tax benefits. You should determine if the state in which you or your beneficiary pay taxes or live offers a 529 plan that provides state tax or other benefits not offered to you by investing in a my529 account. Forty-nine states and the District of Columbia currently offer at least one 529 plan.

+ I don't live in Utah and I own a 529 account in my home state. Can AlphaGlider advise my 529?

AlphaGlider only advises 529 accounts held at my529. We chose to work solely with the my529 plan because of its wide selection of low-cost Vanguard mutual funds, its reasonable administrative asset fee, and its ability to interface with our portfolio management software.

The good news for you is that you are able to transfer your current 529 or Coverdell education savings account to UESP. You will directly work with my529 to set up and fund your 529. Once this is completed, we will provide you with a form to complete that will authorize AlphaGlider to trade your my529 account.

+ Is my TDAI investment account safe?

AlphaGlider does not have access to the funds in your TD Ameritrade Institutional (TDAI) account other than the ability to trade within the account, debit the account for our quarterly advisory fee, and transfer funds to other accounts in your name that you preauthorized.

TD Ameritrade, Inc. is a member of the Securities Investor Protection Corporation (SIPC). Securities in your account are protected up to $500,000. For details, please see www.sipc.org. TD Ameritrade also provides $149.5 million worth of protection for each client through supplemental coverage provided by London insurers. The $149.5 million of coverage includes a sub-limit of $2 million on cash. Each client is limited to a combined return of $152 million from SIPC and London insurers. The TD Ameritrade supplemental insurance policy has an aggregate limit of $500 million for claims from all TD Ameritrade clients. This supplemental insurance provides coverage following brokerage insolvency and does not protect against loss in market value of the securities.

Learn more about TDAI account protections »

+ What would happen to my investment accounts if AlphaGlider were to be acquired or cease to do business?

You are the sole owner of your investment accounts at TD Ameritrade Institutional (TDAI) and my529. If AlphaGlider were to cease to do business for any reason, you would continue to be the sole owner of your TDAI and my529 investment accounts.

Our investment advisory agreement allows either party to terminate the agreement with 30 days written notice, at any time, and for any reason.

+ Where can I view my accounts online?

You have secure access to all of your TD Ameritrade Institutional (TDAI) and my529 investment account data on AlphaGlider's web-based Portfolio Dashboard and mobile Portfolio Dashboard apps (iOS and Android). Your TDAI accounts are also viewable on TDAI's web-based Client Portal and mobile Client Portal apps (iOS and Android). Your my529 accounts are also viewable on my529's website.

+ What information on my investment accounts is available on TD Ameritrade Institutional’s (TDAI's) Client Portal?

TDAI's Client Portal is available on the web as well as in mobile apps (iOS and Android). The following information and services are available on the Client Portal:

  • current account positions and values
  • detailed cost basis information, realized and unrealized capital gains
  • account activity
  • monthly TDAI account statements (email notification when a new statement is available)
  • trade confirmations (email notification when a new confirmation is available)
  • tax forms
  • TDAI account forms
  • change TDAI Client Portal password

Be sure to disable your pop-up blocker when accessing your documents online.

+ What information is available on AlphaGlider's Portfolio Dashboard?

The following information and services for your TD Ameritrade Institutional and Utah Educational Savings Plan accounts are available on AlphaGlider’s web-based Portfolio Dashboard and mobile Portfolio Dashboard apps (iOS and Android):

  • account and benchmark performance and statistics
  • current account positions and values
  • account activity
  • quarterly AlphaGlider account statements
  • ability to generate custom account reports, such as:
  • estimated income
  • realized capital gains
  • current unrealized capital gains
  • change AlphaGlider client website password
+ Can I view my investment account information on a smartphone or tablet?

Absolutely. AlphaGlider has both iOS and Android apps. On your mobile device, search "alphaglider" on the Apple App Store and Google Play to find them. You can view much of the same account information that is available on AlphaGlider’s web-based Portfolio Dashboard.

You can also view your investment account information on TD Ameritrade Institutional's mobile apps (iOS and Android).

+ How and when will I receive TD Ameritrade Institutional account statements and trade confirmations?

For the sake of cost, convenience, security, and the environment, we recommend that you receive TD Ameritrade Institutional (TDAI) statements and trade confirmations electronically. However, we recognize that there may be circumstances when paper documents make more sense. To offset the additional printing and mailing costs for paper documents, your custodian, TDAI, may charge you $7 more per trade (free ETF trades excluded) if your household balance is less than $500,000. AlphaGlider will charge you $10/month to receive paper documents. Electronically delivered documents from both TDAI and AlphaGlider are free.

TDAI provides trade confirmations and monthly statements for each of your investment accounts. For those that select electronic delivery, TDAI will email you when they are available on the TDAI web-based Client Portal. Both types of documents, in addition to tax documents, appear in the ‘Documents’ tab of each of your accounts on the TDAI Client Portal.

AlphaGlider statements are provided quarterly, typically within two weeks after the end of each calendar quarter. If you elected for electronic statements, we will email you when it is available on the AlphaGlider Portfolio Dashboard.

+ Will AlphaGlider rebalance2 my investment account?

Absolutely. We continuously monitor your TD Ameritrade Institutional and my529 accounts to detect when positions stray far enough from their target allocation to justify rebalancing. We consider trading commissions and the potential for realizing capital gains when setting tolerance bands around each position size. Positions outside their tolerance band will be increased or sold down to bring them back inline with their target allocation.

We consider rebalancing to be a simple, yet essential practice in controlling portfolio risk. Without rebalancing, a holding that does well relative to other holdings grows to an outsized position just as it provides a less attractive risk-reward proposition due to its higher valuation. Likewise, a holding that does relatively poorly shrinks to an undersized position just as it provides a more attractive risk-reward proposition.

Holdings that perform well above what their fundamentals justify will not only be sold down by our rebalancing process, but their weightings in our strategies may also be reduced if their higher prices cause a deterioration in their risk-reward tradeoff. Conversely, our strategies may allocate more to holdings that have been oversold to a point that their risk-reward tradeoff is significantly improved. This is where AlphaGlider’s active investment management differs greatly from passive investment strategies which by definition maintain or increase their weightings to positions that have increased in price.

+ Will AlphaGlider call me before trading my account?

No. AlphaGlider operates with trading discretion on your investment account, allowing us to trade without contacting you beforehand. This enables us to make timely trades without delay. AlphaGlider will email you about our thinking behind major changes to the fund allocations within your strategy.

+ Will I be notified when AlphaGlider rebalances my portfolio or make other changes?

Yes, you will receive an email from TD Ameritrade Institutional (TDAI) alerting you to trades that occurred in your investment accounts, usually the same day. On TDAI’s web-based Client Portal, you can access detailed trade confirmations under the ‘Documents’ tab within each account.

+ Can I get duplicate statements sent to my employer?

Yes, you will be able request TD Ameritrade Institutional to send duplicate paper statements and trading confirmations to a third party for compliance purposes.

Still have questions? Please chat us (bottom left), call us on +1 415 967 8047, or email us at info@alphaglider.com.

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NOTES & DISCLOSURES

1Mutual funds and exchange-traded funds are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained directly from the fund company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.
2Rebalancing can entail transaction costs and tax consequences that should be considered when determining a rebalancing strategy.