About Crest Wealth Advisors

At Crest Wealth Advisors

We help hardworking families and individuals be more intentional with their investments and financial strategies in order to align their money with their life goals.

We serve as a trusted partner in helping guide your financial decisions, providing proactive recommendations to move you in the right direction toward achieving your dreams. As an independent, fiduciary advisory firm, we put your best interests first as we help pursue your short- and long-term goals. Like the waves of an ocean, your financial life is constantly rolling and changing, which is why we take a dynamic approach to managing all aspects of your finances. With custom strategies to address your goals and navigate your challenges, we help you crest the waves and avoid the troughs. We navigate your financial journey with a custom financial plan designed chart a course toward your personal financial destination, then we continually update and improve upon that plan as your life evolves over time.

Throughout your financial journey, we serve as a trusted partner to help ensure you’re moving in the right direction. That’s the Crest Wealth Advisors difference.

Our Process

We follow a disciplined process to help ensure all aspects of your financial life are well-cared for and working together in pursuit of your goals

Introduction

A 30-minute call to learn about your financial needs and see if we’re a good fit to help.

Schedule a free assessment

Discovery

A 60-90-minute meeting to discuss the specifics of your finances and goals in more detail. We also provide details of what it means to work with us.

Assessment

We provide a brief assessment outlining areas of opportunity and the value we can add to your financial management.

Organization & Goal Planning

This is the official start to our engagement. During this meeting we will gather all remaining financial information and map out the objectives that you want to work toward.

Implementation

During this stage of the process, we begin the work of implementing your custom planning and investment strategies. We also work with your other trusted advisors, such as your CPA and estate planning attorney, to help ensure all areas of your financial life are working together in pursuit of your goals.

Ongoing Evaluation

The implementation process is just the beginning of our journey together. Ongoing, we continuously monitor your investment performance and progress toward your goals, proactively recommending changes as necessary to keep up with market factors and your ever-evolving life.

We continuously check in with you throughout the year in a number of ways:

Semi-annual meetings
Ongoing investment management
Regular outreach about relevant financial developments as they arise
Online access to your client dashboard
One-on-one advice at any time via phone, email or meetings

Ready to take the first step? Schedule a free assessment

Meet Our Founder

Jason Dall’Acqua CFP®

Founder

Jason is a born-and-raised Annapolitan with a passion for helping hard-working families be more intentional with their money in order to align their financial resources with their life goals. As a husband and father, he understands that the demands of a busy life can make it difficult to find time to focus on managing your finances. That is why he strives to serve as a partner in supporting you with trusted advice and custom strategies specifically designed to help achieve your vision of financial success.

Jason founded Crest Wealth Advisors with a goal of helping clients make smart financial decisions with a clear understanding of those decisions’ short- and long-term implications. With more than a decade of experience in the financial services industry, he helps clients confidently plan for a wide range of financial situations, with a focus on ensuring each client’s financial plan and investment portfolio are working together to achieve their goals.

Jason began serving as a fee-only, fiduciary advisor in 2012 after earning a bachelor’s degree in economics from the University of Maryland. He is a Certified Financial PlannerTM professional and frequently shares his insights via financial media channels. Jason serves as the president of the DC Chapter of The Society of Financial Services Professionals. He is also a member of the Financial Planning Association (FPA), the National Association of Personal Financial Advisors (NAPFA), the Fee-Only Network and XY Planning Network.

In his free time, Jason enjoys spending time with his wife, Peggy, son, Rhodes, and dog, Kaya. He enjoys everything life in Annapolis has to offer, including hiking, golfing, running, paddle boarding, surfing and experiencing local live music. He also enjoys traveling and summers on the Jersey shore. His go-to sports to watch include golf, the NFL (Go Ravens!) and Formula 1 racing

Fees

Fee-Only Fiduciary Advice. Never Hidden Costs.

At Crest Wealth Advisors, we believe in the importance of being honest and transparent about the fees we charge. That’s why we serve as a fee-only advisor, charging either a flat quarterly fee or a percentage of assets under management determined by your specific financial situation. No commissions, no referral fees, just one easy-to-understand price.

Wealth Management Fees

The following fees apply for clients with $400,000 or more in assets under management.
Financial planning services are included at no additional cost.

Annual Advisory Fee	Assets Under Management
0.95%	On the first $1,000,000 ($0 – $1,000,000)
0.75%	On the next $1,000,000 ($1,000,001 – $2,000,000)
0.60%	On the next $1,000,000 ($2,000,001 – $3,000,000)
0.45%	On the next $1,000,000 ($3,000,001 -$4,000,000)
Negotiable	$4,000,001 and Above

Wealth Enhancement Fees

The following fees apply for clients with $400,000 or less in assets under management.
Management on up to $400,000 is included at no additional cost.

Upfront fee		Ongoing quarterly fee (starting upon plan delivery)
Individuals	$1,000	$885/quarter
Couples	$1,500	$1035/quarter

FAQ

What makes Crest Wealth Advisors different?

Comprehensive – We do more than just manage investments. Planning is central to our work. We make sure to address every aspect of your financial picture including, but not limited to: Cash-flow, saving strategy, retirement planning, tax strategy, equity compensation, risk management and legacy planning.

Fiduciary Guidance – As a CFP® Professional we always act in the best interest of our clients. You may think this is standard in the financial services industry, but it’s not.

Fee-Only – We are compensated only by our clients and through no other means. This eliminates some conflict of interest inherent with commission-based advisors.

Independent – We are not affiliated with any bank, investment firm or insurance company, allowing us to provide objective advice and the flexibility to use whatever investments we think are best suited to your needs.

Personalized Service –You will work directly with our founder and lead advisor, Jason Dall’Acqua. Unlike some firms, you will not be passed along from advisor to advisor.

What does a typical client look like ?

Our clients tend to be delegators who want a trusted partner to help them make the right decisions with their money and look out for their best interest.

While we have the ability to work with anyone, we are best suited to work with people nearing or in retirement as well as younger families with high- income and numerous planning needs.

Financially, our clients tend to fall into one of the following categories:

They have over $400,000 they are looking to have managed, OR
Income over $200,000 for individuals or $250,000 for couples.

Where is my money held?

CWA does not take personal custody of your money. Our chosen third-party custodian is Charles Schwab. Your money is always held in accounts in your name that you have direct access to, with CWA acting as the investment advisor on the account. We chose Charles Schwab due to their history in the industry, size, service and breadth of available investments on their platform.

What does the working relationship look like?

We take a proactive approach in ensuring your financial life is constantly aligned with your needs as your life evolves. We meet with clients on a semi-annual basis and are always available for additional meetings as needed.

Will you work with other professionals in my life?

Yes. Because I am not an attorney, CPA or insurance agent, there may be times where we either need to bring in other professionals or work with your current team if you have established relationships. Either way, I will work with those individuals as needed to ensure a coordinated strategy.

What is your investment philosophy?

Our investment philosophy is based on an academic backed, disciplined approach. Core tenets of our strategy include: Diversification to manage risk, asset allocation to drive returns, tax efficiency, low turnover and keeping portfolio fees as low as reasonably possible. Our primary investment vehicles include active and passive mutual funds and ETF’s. We do not chase trends, time the market or react to market headlines.