Time is money. ~ Benjamin Franklin
  • Is there a minimum investment to get started with Tradition?

    At this time, yes. Tradition strategies work best with a minimum investment of at least $50,000.

  • I am looking to invest for just a short period of time, less than a year, is Tradition a good fit for me?

    Tradition strategies are designed for medium to long-term investors. If you are expecting to withdraw a significant portion of your account in a year or less then Tradition is not a good fit for your needs. Furthermore, Tradition uses some investments which have limited liquidity, meaning that there may be limitations on when they can be bought or sold.

  • I read that some of your investments have "limited liquidity" - what does that mean?

    Limited liquidity means that there may be limitations on when these investments can be bought or sold. Tradition chooses to allocate a portion of our portfolios to funds that have limited liquidity for two main reasons: first, it allows us to invest in asset classes that are generally not accessible in daily-liquid investments; and second, less-liquid investments generally earn what is known as an “illiquidity premium” or an additional amount of expected return to compensate for decrease in liquidity. Generally, about 65% of your Tradition¬†portfolio would be fully liquid and the remaining 35% would be liquid on a no-less-than quarterly basis.

  • Why wouldn't I just replicate your portfolio for free in an outside account?

    While you would be able to buy some of the holdings yourself, many others are only available through professional investment advisers. Furthermore, your transaction costs and expense ratios would likely be higher as we have used our size to negotiate discounted fees and expense ratios. Finally, Tradition provides ongoing management of your portfolio.

  • Can I withdraw money whenever I need to?

    While clients are able to initiate withdrawals from their accounts, we ask that all withdrawal requests are placed through us and with as much advance notice as possible. Unexpected withdrawals can cause your account to be overdrawn on cash and may cause other adverse effects in your portfolio, including: additional transaction costs, short-term redemption or frequent trading penalties, the realization of gains or losses in taxable accounts, adverse performance consequences, or the departure from your model strategy. If you will need withdrawals on a regular basis we ask that you notify us in advance and we will set-up a regular recurring withdrawal for you to avoid these issues (significant recurring withdrawals may necessitate the creation of a cash buffer to provide for this need and minimize transaction costs).

  • I don't live in the United States, can I still have an account?

    At this time Tradition only operates in the United States and for regulatory reasons cannot accept clients residing outside the country. Clients must have a U.S. Social Security Number and a permanent U.S. address.

  • I am not a U.S. Citizen, can I still have any account?

    Currently Tradition is only serving U.S. Citizens.

  • How long does it take to open a new account?

    New accounts at Tradition are opened immediately – corresponding accounts at your custodian, TD Ameritrade Institutional, are usually opened in 1-3 business days barring any issues with the account application or other forms.

  • How long does it take to fund my account via ACH or Wire Transfer?

    Funding will take an additional 2-3 business days once the account is open for an ACH or Wire Transfer.

  • How long does it take for my existing funds to be transferred in when I open a new account and transfer in assets from an outside brokerage?

    It depends on whether or not the outside brokerage supports using Automated Customer Account Transfer Service (ACATS). ACATS transfers typically take 3-8 business days from the time the account is opened. Transfer from outside brokerages that do not support ACATS will be performed as non-ACATS transfers which typically take between 3-6 weeks from account opening to process.

  • Can I transfer in existing holdings?

    Tradition allows for the transfer in of existing holdings so long as they are supported by our custodian, TD Ameritrade Institutional. However, we will not keep your existing holdings – they will be sold as soon as possible and you will be responsible for any transaction fees or taxes associated with the realization of gains/losses. It is preferred that you have your holdings liquidated at your existing custodian before requesting a transfer. Please consult with a tax professional regarding your specific situation before taking any action.

  • What if I try to transfer in a holding that is not supported by TD Ameritrade Institutional?

    The transfer will reject any holdings not supported and you will need to have them liquidated at the outside brokerage.

  • Can you hold on to (not sell) an existing holding I transfer in to my Tradition account?

    Unless it is one of the holdings in your current strategy then generally, no. However, it is possible that we can make limited exceptions – please contact us at support@traditioncm.com to inquire.

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