About Crest Wealth Advisors

At Crest Wealth Advisors

We help hardworking individuals and families better understand what they have and how to take control of their money to have it effectively working in alignment with their goals.

We serve as a trusted partner in helping understand where you want to go, creating a personalized plan for doing so and helping guide you along the way. As an independent, fiduciary advisory firm, we put your best interests first as we help pursue your short- and long-term goals. Your life is constantly evolving and changing which is why we take a dynamic approach to planning all aspects of your finance picture, not just your investments. By taking you through our well defined process that covers all areas of your financial life, we will help you be more informed than ever about your finances and how to have everything working for you most effectively. The result? Clarity, direction and peace of mind.

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 you and for you to ask questions to see if we are a good fit.

Schedule a free assessment

Discovery

A 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

EARLY ON

I was born and raised in Annapolis, grew up playing every sport, graduated from the University of Maryland and found my way into the financial planning profession right out of the gate…after a few months of living in Costa Rica following college.

Investing and being smart with money was something that was instilled in me from an early age, which I am extremely grateful for. It is what drew me to the world of finance when most people were still trying to figure out what they wanted to do. When I came across the financial planning profession specifically, as opposed to just investment management, I was drawn to the fact that it could help people in a multitude of ways. I knew that was the route I wanted to take – coupling my passion for investing with helping people from a more holistic point of view.

CAREER

There are many different paths an advisor can choose. I was fortunate to have entered into the independent, fee-only world immediately, which in my opinion provides a level of transparency and reduced conflicts of interest.

However, I was always drawn toward being a business owner and in 2021 decided to make the leap after 9 years at my previous firm. More importantly, I wanted to serve people the way I thought was right, providing the deepest level of care and providing guidance on all areas of ones financial picture. A well constructed financial plan needs to ensure everything is aligned: investments, saving strategy, tax planning, insurance, estate plans and more.

And from that desire to provide more and serve clients the way I would want to be served, I founded Crest Wealth Advisors.

PERSONAL INTERESTS

Much of my time outside of work is filled with being a dad to a little boy, and there couldn’t be anything better. Beyond that, I enjoy golfing, exercising (Peloton rides and the gym), traveling (Costa Rica is one of my families favorite destinations which I highly recommend visiting), being out and about in downtown Annapolis and spending time at the beach.

COMMUNITY INVOLVEMENT

Crest Wealth Advisors is proud to be a sponsor of the Annapolis Blues FC, Wellness House of Annapolis and Historic Annapolis.

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.