Customer Relationship Summary

World Trend Financial Planning Services, LTD is registered with the Securities and Exchange Commission as an investment adviser and, as such, we provide advisory services rather than brokerage services.  Brokerage and investment advisory services and fees differ and it is important for you to understand the differences.

Additionally, free and simple tools are available to research firms and financial professionals at, which also provides educational materials about broker-dealers, investment advisers, and investing.  This document is a summary of the services and fees we offer to “retail” investors, which are natural persons who seek or receive services primarily for personal, family, or household purposes.


What investment services and advice can you provide me?

We offer the following investment advisory services to retail investors: Financial Planning Services which is a comprehensive evaluation of an investor’s current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans; Portfolio Management Services involves building and overseeing a selection of investments that are chosen based off of the long-term financial goals and risk tolerance of an investor.

Account Monitoring:

  • If you open an investment account with our firm, as part of our standard service we will monitor your investments no less than annually.

Investment Authority:

  • We manage investment accounts on a discretionary basis whereby we will decide which investments to buy or sell for your account.  You may limit our discretionary authority (for example, limiting the types of securities that can be purchased or sold for your account) by providing our firm with your restrictions and guidelines in writing. We also offer non-discretionary investment management services whereby we will provide advice; however, you will ultimately decide which investments to buy and sell for your account. You have an unrestricted right to decline to implement any advice provided by our firm on a non-discretionary basis.

Investment Offerings:

  • We offer advice on following types of investments or products:  stocks,  corporate debt securities (other than commercial paper), commercial paper, certificates of deposit, municipal securities, mutual fund shares, exchange-traded funds, United States government securities, options contracts on securities,  warrants, and money market funds.

Account Minimums and Requirements:

  • In general, we do not require a minimum dollar amount to open and maintain an advisory account; however, we have the right to terminate your account if it falls below a minimum size which, in our sole opinion, is too small to manage effectively.
  • For detailed information regarding our services listed above refer to our Form ADV Part 2A Items 4, 7, and 8 by clicking this link

Key Questions to Ask Your Financial Professional

  • Given my financial situation, should I choose an investment advisory service? Why or why not?
  • How will you choose investments to recommend to me?
  • What is your relevant experience, including your licenses, education and other qualifications?
  • What do these qualifications mean?

What fees will I pay?

The principal fees and costs associated with engaging our firm for investment advisory services include:    

  • Asset Based Fees – are payable quarterly or monthly in advance. Since the fees we receive are asset-based (i.e. based on the value of your account), we have an incentive to increase your account value which creates a conflict especially for those accounts holding illiquid or hard-to-value assets;
  • Financial Planning Fees – are payable, as billed, no less than monthly. Our Financial Planning fees are calculated and charged on an hourly or a fixed fee basis, depending on the specific arrangement with the investor.

In addition to our principal fees and costs for advisory services, there are other common fees and costs that maybe applicable to our clients that include:

  • Custodian fees;
  • Fees related to mutual funds and exchange-traded funds;
  • Transaction charges when purchasing or selling securities; and
  • Other product-level fees associated with your investments

You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.   

For detailed information about our fees and charges, refer to our Form ADV Part 2A Brochure, Items 5 and 6 by clicking this link

Key Question to Ask Your Financial Professional

Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?

What are your legal obligations to me when acting as my investment adviser? How else does your firm make money and what conflicts of interest do you have?

When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Here are some examples to help you understand what this means.

  • Third-Party Payments: Persons providing advice on behalf of our firm are registered representatives with a broker-dealer. These persons receive compensation in connection with the purchase and sale of securities or other investment products. Compensation earned by these persons is separate and in addition to our advisory fees. This practice presents a conflict of interest because they have an incentive to recommend investment products based on the compensation received rather than solely based on your needs.
  • Third-Party Payments: Persons providing investment advice on behalf of our firm are licensed as independent insurance agents. These persons will earn commission-based compensation for selling insurance products. Insurance commissions are separate and in addition to our advisory fees. This practice presents a conflict of interest because they have an incentive to recommend insurance products to you for the purpose of generating commissions rather than solely based on your needs.

Refer to our Form ADV Part 2A Brochure by clicking this link to help you understand what conflicts exist.

Key Question to Ask Your Financial Professional

How might your conflicts of interest affect me, and how will you address them?

How do your financial professionals make money?

  • The financial professionals servicing your account(s) are compensated in the following ways:  Percentage of advisory fees which are based on the amount of the investors assets they service; hourly or fixed fees based on the time required to meet an investor’s needs; and/or salary.

Do you or your financial professionals have legal or disciplinary history?

  • No, our firm and our financial professionals currently do not have any legal or disciplinary history to disclose. Visit for a free and simple research tool.

Key Questions to Ask Your Financial Professional

As a financial professional, do you have any disciplinary history? For what type of conduct?

You can find additional information about your investment advisory services and request a copy of the relationship summary at 319-364-3041 or

Key Questions to Ask Your Financial Professional

  • Who is my primary contact person?
  • Is he or she a representative of an investment adviser or a broker-dealer?
  • Who can I talk to if I have concerns about how this person is treating me?