Q: Is Ariba GLB Asset Management, Inc. (AGLB) a broker?

A: No. AGLB is a fee-only investment advisory firm.

Q. What does AGLB do?

A. AGLB manages money for Individuals and Institutions seeking preservation of capital, income, and long-term capital appreciation. We are committed, through conservative wealth management, to assist investors in achieving their financial goals while striving to make our investment process more understandable and to enhance knowledge of how wealth is built, maintained, and preserved.

Q: Is my money liquid?

A: Yes. While any equity based investment should be considered long term in nature, you can withdraw any or all of your money at any time, with no surrender charges or other transaction costs.

Q: Does AGLB have custody of my assets?

A: No. Each client has an account with a major insured brokerage firm, typically at Charles Schwab, Fidelity, or Waterhouse. AGLB is listed as the investment advisor on the account and is authorized to make trades in the account, deduct fees, and receive duplicate confirmations and statements.

Q: Can I have more than one account?

A: Yes. We manage all types of institutional and individual accounts including SEP-IRAs, Roth IRAs, Rollover IRAs, Brokerage accounts, 529 Plans, Profit Sharing Plans, Trusts, Joint and more. Call our office at 800-808-7488 for more details.

Q: Are fees paid directly from the account?

A: Most clients prefer to have the fee automatically deducted from the account each quarter, but some choose to pay with a separate check.

Q: Can the fee be deducted from the account even if it's an IRA?

A: Yes. Fees can be deducted from all accounts, even IRA's (fees and/or commissions paid directly from an IRA are not treated as distributions). Most clients prefer the convenience of having the fees deducted from the account but we also accept payment by check.

Q: We have talked and I want more information. How do I begin the process of becoming a client of AGLB?

A: We will send you the necessary forms and applications, which need to be completed and mailed back to our office in order to establish your account or to transfer an existing account from another brokerage firm.  

Q: How do I open an account?
A: You start by getting in touch with us and asking. AGLB can be reached at 800-808-7488 or get started!

Q: Who is the portfolio manager?

A: The portfolio is continuously monitored by our professional portfolio managers. Our knowledgeable research staff is always available to discuss your current holdings, goals, or any other portfolio need you may have. 

Q: What kind of holdings will I see in the portfolio? 

A: The asset allocation blend may combine individual stocks, individual bonds of various maturities, Real Estate Investment Trusts (REITs), Master Limited Partnerships (MLPs), exchange traded funds (ETFs), closed-end funds, and open-end mutual funds consistent with your investment objectives and risk tolerance.

Q: What fees are involved with management?

A: Fees are based on assets under management, ranging from
1.50% to .50% per annum divided on a quarterly basis.

Portfolio Management Fee:

Equity (Stocks)                                  Percent of Assets

$250,000-$300,000.............................1.50% per annum
$300,000-$500,000.............................1.25% per annum
$500,000 - $2,000,000........................1.00% per annum
Next $ 3,000,000 ...............................0.75% per annum
 > $ 5,000,000 ...................................0.65% per annum

Fixed Income (Bonds).........................0.50% per annum


Q: How long will it take to set up my account and transfer assets from an existing account (regular, IRA, 401(k), 403(b), Trust, Keogh, etc.)?

A: Once your new account is established (paperwork returned) and in good order, the average turnaround time is 2 to 3 weeks from the date your account custodian receives the transfer request. If you already have an account with one of our current brokers (Charles Schwab, Fidelity, or Waterhouse), it takes 3-5 days to be processed.

Q: Will I be able to track my account(s) online?

A: Yes. Each broker allows individual clients to privately and securely view their account(s) online.

Q: Do I pay commissions in addition to the management fees?

A: Yes. Your broker charges a commission for each transaction placed within the account. The use of “discount brokers” helps to minimize these expenses.

Q: What are the commissions?

A. Charles Schwab: $19.95 per trade for the first 1,000 shares and $0.15 per share thereafter.   Accounts over $1 million, commissions rates are $9.95 per trade for the first 1,000 shares and $0.15 per share thereafter. Fidelity: $17.95 per trade for the first 1,000 shares and $0.15 per share thereafter. Accounts over 1 million, commission rates are $8.00 per trade for the first 3,000 shares and $0.01 per share thereafter. Waterhouse: $15.00 for the first 2,500 shares and $0.01 per share thereafter. Accounts over $500k, commission rates are $9.99 unlimited.

Q: May I trade some of my own ideas in the same account?

A: AGLB discourages sharing management responsibilities with clients. We recommend that you use a separate account if you wish to make your own investment decisions.

Q: How does AGLB use Limited Power of Attorney and Trade Authorization on my account?

A: Limited Power of Attorney and Trade Authorization grants AGLB discretionary authority to buy or sell securities on your behalf. 

Q: Does AGLB or anyone affiliated with you have the ability to withdraw assets from my account?

A: No. No one has the authority or ability to withdraw any of your assets without your expressed written consent. 

Q: Can I write checks from my account?

A: Yes, the brokers with whom we work offer checking account service.

Q: What type of communications can we expect from you?

A: You will receive confirmations in the mail for all trades, monthly statements from your custodian [ex. Schwab, Fidelity, TD (Waterhouse)/Ameritrade)] and periodic client updates from us.  AGLB is easy to contact through phone (800) 808-7488, local (703) 683-8488, fax (703) 683-1496, or contact us through our website. Your questions will be directed to the appropriate personnel that can assist you. AGLB also maintains a research website www.glbclient.com, which is updated daily. In addition, the company sends quarterly market commentaries directly to clients.

We also send regular updates to keep you apprised of our investment strategy because we always want you to know what is in your portfolio and the rationale underlying the investment selection and asset allocation. Please understand that this service is designed for investors who want to turn the investment management responsibility over to someone else. If you think this fits your needs and would like more information, please fill out this simple Request Account Information form.