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Form CRS

Revised: April 24, 2025

Form CRS

Libertas Wealth Management Group, Inc. is registered with the Securities and Exchange Commission as an investment adviser and, as such, we provide advisory services rather than brokerage services. Brokerage and investment advisory services and fees differ and it is important for you, our client, to understand the differences. Additionally, 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. This document is a summary of the services and fees we offer to “retail” investors, which are natural persons who seek or receive services primarily for personal, family, or household purposes.

What investment services and advice can you provide me?

We offer the following investment advisory services to retail investors: Financial Planning and Consulting Services; Portfolio Management via a Wrap Fee Program; and Sub-advisory services to an unaffiliated third party research provider and registered investment adviser.

Account Monitoring: Account reviews are performed quarterly and more frequently when market conditions dictate.

Investment Authority: We manage investment accounts on a discretionary basis whereby you authorize us to decide which investments to buy or sell for your account without having to obtain your approval for each transaction.

Investment Offerings: We offer advice on any security but primarily recommend equity securities, mutual funds, ETFs, and money market funds.

Account Minimums and Requirements: In general, we do not require a minimum dollar amount to open and maintain an advisory account; however, we have the right to terminate your account if it falls below a minimum size which, in our sole opinion, is too small to manage effectively.

Detailed information regarding our services, fees and other disclosures can be found in our Form ADV Part 2A Items 4, 7, and 8 and Form ADV Part 2 Appendix 1 Brochures Items 4 and 5 by clicking this link: https://adviserinfo.sec.gov/firm/summary/157769.

Key Questions to Ask Your Financial Professional

  • 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?

The following summarizes the principal fees and costs associated with engaging our firm for investment advisory services.

  • Wrap Program Fees – Asset Based Fees – Payable monthly in arrears, based on the average daily balance. Since the fees we receive are asset-based (i.e. based on the value of your account), we have an incentive to increase your account value which creates a conflict. Asset-based fees associated with a wrap fee program generally include most transaction costs and fees to a broker-dealer or bank that has custody of the assets. Normally, therefore, the asset-based fee for a Wrap Fee Program is higher than a typical asset-based advisory fee. However, we do not offer a Non-Wrap Fee Program so all clients are charged on the same fee schedule (other than certain legacy clients). Since our firm pays the transaction costs associated with securities transactions in your account, we have an incentive to minimize the trading in your account;
  • Fixed Fees – Payable as invoiced. Fixed fees are typically charged to Financial Planning or Consulting engagements.

Examples of the most common other types of fees and costs applicable to our clients are:

  • Custodian fees;
  • Account maintenance fees;
  • Internal costs related to mutual funds and exchange-traded funds;
  • Other product-level fees associated with your investments

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 detailed information, refer to our Form ADV Part 2A, Items 5 and 6 and Form ADV Part 2 Appendix 1 Brochures by clicking this link https://adviserinfo.sec.gov/firm/summary/157769

Key Questions to Ask Your Financial Professional

  • 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 our revenue is derived from asset-based fees, we have an incentive to grow your account as much as possible. This could cause us to take overly aggressive positions in conflict with your interests in an attempt to grow your account, or could incentivize us to inflate the valuations of illiquid investments held in your account.
  • Additionally, because we do not charge a higher advisory fee for accounts in our Wrap Fee Program but absorb the cost of any commissions or ticket charges charged by the broker-dealer, we have an incentive to limit the number of trades in your Wrap Fee Account.

Key Questions to Ask Your Financial Professional

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

Refer to our Form ADV Part 2A and Form ADV Part 2 Appendix 1 Brochures by clicking this link https://adviserinfo.sec.gov/firm/summary/157769 to help you understand what conflicts exist.

How do your financial professionals make money?

The financial professionals servicing your account(s) are compensated by receiving a percentage of the fee you pay us which, in turn, is based on a percentage of the assets under management.

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

Yes, our firm has a disclosure on file which is included in our Form ADV Part 2A and which can also be found by going to Investor.gov/CRS. 

Key Questions to Ask Your Financial Professional

  • As a financial professional, do you have any disciplinary history? For what type of conduct?

You can find additional information about your investment advisory services and request a copy of the relationship summary at 614-543-1350 or click the link provided https://adviserinfo.sec.gov/firm/summary/157769

Key Questions to Ask Your Financial Professional

  • 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?