| Frequently Asked Questions |
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What are the advantages of a trust?
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With a trust you can not only draw on our broad investment
capabilities but also arrange to have us perform any number
of special services, now or in the future. These personalized
services could range from making payments of estimated taxes
while you're traveling abroad to providing full personal financial
management in the event you suffer an incapacitating illness.
Also, you can name one or more beneficiaries to receive the
assets of your trust at your death. These distributions avoid
probate. Or, you can have your trust continue beyond your lifetime,
serving as a source of continuing income and support for your
spouse, a child or others whom you designate.
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How does Northwest differ from stockbrokers
and financial
planners?
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The primary difference is our ability to offer personalized
asset management and a full range of financial services. The
second major difference is our fee arrangement. Northwest avoids
all conflicts of interests when charging fees for work performed.
We fully disclose all fees in a simple and understandable manner.
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Other than your published fee schedule, does
Northwest receive
other compensation,
whether direct or indirect, for handling
client accounts?
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No. Although Northwest is permitted to receive compensation
from certain mutual funds (12b-1 fees and other administrative
fees), we have elected to forgo receipts of these fees in order
to enhance the investment return to client accounts. There are
no self interests when making recommendations to our clients.
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How easy is opening an account at Northwest?
Can I transfer
assets to Northwest without
incurring fees or taxes?
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Whether you are moving funds from another provider (bank trust
department, broker or financial planner), transferring assets
is simple. In many instances, securities are transferred "in-kind" to
protect against selling assets and realizing taxable gains.
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Will I earn a better rate of return on funds than
I do now?
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That depends on your goals - current income, long-term growth
to offset inflation, or some balance of the two - and on ever-changing
investment conditions.
Our experience is that most Northwest clients
receive better investment results. We accomplish this by investing
in successful
no-load mutual funds and by avoiding the payment of sales commissions
and high annual mutual fund expenses.
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