Unifimoney RIA Inc. Form CRS


Unifimoney RIA, Inc. is registered with the Securities and Exchange Commission as an Investment Adviser. Brokerage and investment advisory services and fees differ, and it is important for you to understand these differences. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing.

What investment services and advice can you provide me?

We offer investment advisory services to retail investors through our website, www.unifimoney.com. We provide investment advice and deliver advisory services to clients primarily through the PortfolioRecommendation Tool available through our website, which uses an algorithm to recommend a particular investment portfolio comprised of exchange-traded funds (“ETFs”) to clients based on certain information that the client provides. We do not invest client accounts in or recommend other investments.

We review investment accounts periodically to determine whether the account holdings significantly deviate from the selected model investment portfolio. You can contact us to impose certain allowable restrictions on the management of your account, subject to our right to reject management of your account if any restriction is inconsistent with our stated strategy, philosophy, or the operation of the selected model portfolio.

For additional information, please see Items 4, 7 and 8 of our Form ADV, Part 2A Brochure.

Conversation Starters:

  • 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?

If you engage us to provide investment advisory services to your account, we will charge your account an annual, asset-based fee. Fees due shall be calculated by multiplying the Advisory Fee by the net market value of the Account as of the close of trading on the New York Stock Exchange (“NYSE”) (herein,“close of markets”) on such day, or as of the close of markets on the immediately preceding trading day for any day when the NYSE is closed, and then by dividing by 365 (except in any leap year, during which year the amount shall be divided by 366). The fees due for each calendar month (consisting of the aggregate of the daily fee for each day in that calendar month) shall be due and payable in arrears. The fee is deducted directly from your Investment Account. Because we charge an asset-based fee, the greater the value of your account managed by us, the more you will pay in management fees. We therefore have an incentive to encourage you to increase the amount of assets in your account.

ETFs in which your account may be invested charge additional management fees and pay other expenses.Additionally, the custodian maintaining your account will charge you a fee for its custodial and brokerage services.

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 additional information, please see Items 5 and 12 of our Form ADV, Part 2A Brochure.

Conversation Starter: 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.

Because we charge your account an asset-based fee, we have an incentive to encourage you to increase the amount of assets in your account..

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

For additional information, please see Item 5 of our Form ADV, Part 2A Brochure.

How do your financial professionals make money?

Our current sole financial professional is also a part owner of our business, and therefore is entitled to receive profit distributions from the firm (derived from advisory fees less expenses). He therefore faces the same conflict of interest as we do in that he has an incentive to encourage you to increase the amount of assets in your account.

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

No. Visit Investor.gov/CRS for a free and simple search tool to research us and our financial professionals.

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

Additional Information

You can obtain additional information about our services, and a free copy of our latest CustomerRelationship Summary and Form ADV, Part 2A Brochure, by visiting our website atwww.unifimoney.com or by calling us at 415-964-5877.

Conversation Starter: 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?