Welcome to Fairvoy Private Wealth

Important Information to Help You Get Started

This page contains important information related to your account transfer and the start of your ongoing relationship with Fairvoy. It outlines how transfers are handled, how to stay connected with your advisory team, and what to expect in the weeks ahead. We recommend reviewing this information carefully as it will serve as a helpful reference going forward.

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Welcome to Fairvoy Private Wealth

Create Great Journeys—starting with a great first step.

We are honored you’ve chosen to partner with us. Our role is to provide clarity, confidence, and direction— and to stay alongside you as life and markets change.

Send us a message How transfers work Meet your advisory team

Main line: 205-578-6250   •   Texting: You may text your team directly if that’s easiest.

Quick start

These shortcuts help most new clients get oriented quickly.

Contact page Message Transfers & timelines ACATS Fairvoy Hours and Market CalendarView Communication preferences Form

What to expect in the first couple of weeks

Below is the typical flow. We’ll keep you updated along the way and handle the heavy lifting.

Step 1

Accounts & paperwork

We prepare the documents in advance so you can review and e‑sign securely online.

Step 2

Transfers to Fidelity

Most brokerage transfers are completed through the ACATS system and are typically completed within a few business days.

Step 3

Planning & ongoing monitoring

We help connect your investments to your bigger goals—and adjust as life changes.

Heads up: During certain transfers, trading may be limited for a short window. In most cases, the transfer process remains open for a period of time after the initial move, so dividends, interest, and other routine deposits that arrive later will automatically follow to the new account. We’ll review timing and any specific considerations with you in advance so there’s nothing you need to manage on your own.

Your Fairvoy Team

You will be working closely with your advisory team. Please feel free to call, email, or text any of us. Read team bios here

Stephen Davis
CFP®, ChFC®, APMA®
Managing Partner

P: 205-578-6201
stephen@fairvoypw.com

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Neal Carroll
CFP®, CPWA®, CPFA®
Chief Operating Officer

P: 205-578-6261
neal@fairvoypw.com

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Ashley Davis
CPA®(Inactive), CRPC®
Chief Financial Officer

P: 205-578-6282
ashley@fairvoypw.com

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Alan Word
Director

P: 205-578-1825
alan@fairvoypw.com

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Claudia Johnston
Chief Compliance Officer

P: 205-578-6214
claudia@fairvoypw.com

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Alma Maric
Chief Administrative Officer

P: 205-578-6246
alma@fairvoypw.com

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Ashley Burt
Client Relationship Specialist

P: 205-578-1344
aburt@fairvoypw.com

Macy Beasley
Client Relationship Specialist

P: 205-578-6198
macy@fairvoypw.com

Prefer to send a message through the website? Use our contact page: fairvoypw.com/contact

About your custodian: Fidelity Investments

Your accounts are held at Fidelity, one of the most respected and secure financial institutions in the country. Fidelity provides robust account protection, clear reporting, and a seamless client experience.

If you need help with the Fidelity website or app, please let us know—our team can service your accounts and should be your first point of contact.

New accounts & transfers (including ACATS)

Once your new Fidelity accounts are open, we typically use the Automated Customer Account Transfer Service (ACATS) to move eligible investments from your prior firm. This is an industry-standard process run through NSCC/DTCC that helps standardize transfers between firms.

1

Open your Fidelity accounts

We prepare the paperwork so you can review and sign securely online.

2

Initiate the transfer

We submit the request to start the transfer, usually based on a recent statement and account information.

3

Validation / exceptions

The delivering firm validates or takes exception within required time windows. Most delays are from incomplete or mismatched information.

4

Assets arrive & we confirm

We confirm what arrived, address any stragglers, and then proceed with your onboarding and planning work.

Typical timing: Many full ACATS transfers are designed to complete in just a few business days once properly initiated and validated; certain assets or special situations can take longer.
Trading note: During the transfer window, trading may be limited for some positions.

What the transfer process typically looks like

Transfers often happen in stages. After the initial move, a “follow-on” period usually allows dividends, interest, and other routine deposits that arrive later to automatically transfer over as well—so you typically don’t need to take additional steps.

  1. Step 1: Setup & verification
    We confirm account details and any transfer requirements before submission.
  2. Step 2: Initial transfer
    Most eligible holdings move over during the main transfer window.
  3. Step 3: Follow-on activity (residuals)
    Dividends, interest, and other routine deposits that post after the initial transfer commonly “sweep” over automatically during a follow-on period.
  4. Step 4: Wrap-up & confirmation
    We confirm what arrived and discuss any remaining items, if applicable.
Note: Timing varies by firm and account type. We’ll coordinate this with you so the process is smooth and hands-off.

Not everything moves through ACATS. Some accounts and products can require a different process—commonly corporate retirement accounts, annuities, certain insurance products, and certain banking relationships. If you have anything that doesn’t fit the standard transfer, we’ll walk through a clear plan for it.

Your Fairvoy planning & reporting tools

In the coming days, we will help you access the following (as applicable):

Performance

Fairvoy Performance Reporting App

A secure platform branded under Fairvoy that allows you to view performance, allocation, and account details in one place (invite only).

Planning

Fairvoy Financial Planning Site

Your planning hub where we track progress toward goals, model scenarios, and make real‑time adjustments as life evolves.

Resources

News & Insights

Educational content, market commentary, and planning ideas designed to keep you informed and confident.

Stay connected—your way

We want to make sure you receive information that’s most valuable to you. Please take a moment to complete our Client Communication Preferences Form so we can tailor what you receive.

Communication Preferences Form Ask a question

You’re always in control of how often you hear from us. You can receive regular informational updates, limit communications, or opt out of non-essential messages altogether. We will, of course, continue to send important account-related and regulatory communications as required.

Social media: We regularly add new content and encourage you to follow along on the platforms you prefer.

Staying Secure: A Quick Reminder

Protecting your information is extremely important to us. Please be cautious of unexpected emails or text messages that appear to be from financial institutions or advisors.

  • We will never ask for passwords or sensitive information by email or text.
  • Be wary of links or attachments you weren’t expecting—even if they look familiar.
  • Always access your accounts by typing our website address directly into your browser.

If something doesn’t feel right, pause and contact your Fairvoy team directly. We’re always happy to verify.

Transfers FAQs (ACATS & common onboarding questions)

Plain-English answers to common transfer questions. One question opens at a time.

ACATS (Automated Customer Account Transfer Service) is an industry-standard system that helps automate and standardize transfers of eligible brokerage account assets from one firm to another. Most brokerage-to-brokerage transfers use ACATS.
Many ACATS transfers are designed to complete within a few business days once properly initiated and validated. Timing can vary based on the delivering firm’s processing, the types of assets involved, and whether any information needs to be corrected.
In most cases, no. Transfers typically start with the new firm (Fidelity, in this case) using information from a recent statement. We coordinate the process and keep you updated.
Often, investments can transfer “in-kind,” meaning the holdings move over without being sold. However, certain items may not transfer in-kind (for example: proprietary mutual funds, some alternatives, or fractional shares), and those may be handled differently. We’ll explain any exceptions before you finalize decisions.
The most common cause is mismatched or incomplete information (account title, account number, registration, or missing signatures). Another cause is an asset that requires a separate process (retirement plan rollovers, annuities, certain limited partnerships, etc.). We help reduce delays by using your statement information exactly as it appears at the delivering firm.
Sometimes trading is limited for a short window during the transfer process. If you have a near-term trading need or a time-sensitive situation, let us know so we can discuss timing and options.
Items that frequently require a different path include: certain employer retirement plans (401(k)/403(b)), annuities/insurance products, some bank-held accounts, and certain alternative investments. When that applies, we’ll outline the specific steps and timeline.
In most cases, yes. When accounts are transferred through the ACATS system, cost basis information typically follows automatically for covered securities. That said, timing can vary, and cost basis details may arrive after the initial transfer of assets. For certain holdings—such as older, non-covered securities or positions held for many years—cost basis information may be incomplete or may need to be verified. If anything appears missing or unclear, our team will work with you to help reconcile the information and ensure your records are accurate.
Sources used for transfer basics:

Welcome again to the Fairvoy family

Thank you again for choosing Fairvoy. If you ever have questions, please don’t hesitate to call, email, or text your advisory team—we’re here to help.

Together, we’ll continue to create great journeys—one step at a time.

General disclaimer: This page is provided for informational and educational purposes only. While we believe the information is based on reliable sources, it is not guaranteed for accuracy or completeness and may change without notice. Transfer timelines can vary by institution, account type, and asset type. This content is not legal, tax, or accounting advice. Please consult your attorney and/or CPA regarding your specific situation. Investing involves risk, including the potential loss of principal.

Charting your financial path begins with Fairvoy Private Wealth.

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