Conversation Starters - Answers

About Our Services

Given my financial situation, should I choose an investment advisory service? Why or why not?

Investment advisory services work best when you want professional management of your investments and you're comfortable paying a fee for that service. Our service is designed for teenagers and young adults who want to start building wealth for the long term. We welcome investors of all ages who share our long-term investment philosophy.

You should consider our service if:

You want to start investing but don't know where to begin
You want professional investment management delivered efficiently through technology to keep costs low
You want your money spread across many investments (not just one or two) to reduce risk
You're comfortable using an app or website to monitor your account

Our service may not be right if:

You want to pick specific stocks to invest in yourself
You prefer working with someone face-to-face
You want to buy and sell investments frequently
You need help with complex financial planning beyond investing

Remember: You're not required to use our service. You can invest on your own through a brokerage account, use a different investment adviser, or work with a financial planner.

How will you choose investments to recommend to me?

We use a risk tolerance questionnaire to understand your comfort with investment risk. Based on your answers, our algorithm assigns you to a suitable portfolio. Your portfolio will be invested in a mix of low cost ETFs or funds that hold stocks and bonds.

Our process:

You complete a questionnaire about your investment goals and risk tolerance
Our system recommends a portfolio (ranging from conservative to aggressive)
You review the recommendation and approve your portfolio
We invest your money according to that portfolio
We automatically rebalance your account to maintain your target allocation

All our portfolios are designed for long-term growth and use diversified, low cost funds. We focus on broad market exposure rather than trying to pick winning stocks or time the market.

You can change your portfolio at any time by retaking the risk questionnaire, though we recommend staying invested for the long term.

What is your relevant experience, including your licenses, education, and other qualifications? What do these qualifications mean?

Unstoppable Asset LLC is registered with the SEC as an investment adviser (CRD #338072). This registration means we've met regulatory requirements to provide investment advice, but it does not indicate any particular level of skill or training.

Our Principal - Amitabh Godha:

Education: Bachelor's degree in Business Administration from Georgetown University (1994); MBA from The Wharton School, University of Pennsylvania (2001)
Experience: 30+ years in finance, including roles in Investment Banking, Venture Capital, and as Portfolio Manager
Registration: Investment Adviser Representative (Individual CRD #7245321)
License: Series 65 (in progress, anticipated 2025)

What this means for you:

Our firm is legally authorized to provide investment advice and is subject to SEC oversight. You will not receive advice from an individual person. Our platform—built by our team using decades of professional investment experience—manages your investments automatically. Our approach is grounded in widely-accepted academic research supporting diversified, low-cost, long-term investing.

About Fees and Costs

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?

The full $10,000 gets invested immediately. Fees are deducted over time from your account balance, not taken upfront.

Example for Year 1 with $10,000:

Fee Type	Annual Cost	Who Gets It
Our advisory fee (0.15%)	$15	Unstoppable Asset
Fund expense ratios (avg 0.05%)*	$5	The fund companies
Custodian/transaction fees	$0	Charles Schwab
Total estimated fees	~$20

*Actual fund expenses vary by portfolio (0.03% to 0.10%)

Impact over time:

Fees compound just like returns. Over 30 years, paying 0.20% in total fees versus 1.00% could mean tens of thousands of dollars difference on a growing account.

The bottom line:

With a 0.15% advisory fee and low cost funds, you keep more of your returns. However, even low fees add up over time. That's why we focus on keeping costs as low as possible while providing professional investment management to keep you on track.

About Conflicts of Interest

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

Our main conflict:

We earn more money when your account balance is larger. This creates an incentive for us to encourage you to add more money to your account, even if that might not always be in your best interest.

How this could affect you:

We might promote adding money to your account when you should be using cash for other purposes (emergency fund, paying off debt, other savings goals)
We benefit from you staying invested with us rather than withdrawing funds

How we address this:

We are legally required as a fiduciary to act in your best interest
We provide educational content about when investing makes sense (and when it doesn't)
We don't use high-pressure sales tactics or earn commissions on deposits
Our fee is the same percentage regardless of your account size—we don't charge higher fees for larger accounts

What you can do:

Make investment decisions based on your own financial situation, not just our recommendations to add funds
Take advantage of our educational resources. We believe investing your own money—even small amounts—is one of the most effective ways to learn.
You (or your custodian, for minor accounts) maintain full control of your account. Note that retirement account withdrawals may be subject to taxes or penalties depending on your age and circumstances.

We believe that helping you build long-term wealth through consistent, diversified investing is good for both of us—but you should always prioritize your overall financial wellbeing.

About Disciplinary History

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

No. Neither Unstoppable Asset LLC nor our principal, Amitabh Godha, have any legal or disciplinary history.

This means:

No regulatory sanctions or violations
No customer complaints or arbitrations
No criminal charges or convictions related to securities
No civil litigation related to investment activities

You can independently verify this by searching our firm (CRD #338072) and our principal (CRD #7245321) at Investor.gov/CRS or adviserinfo.sec.gov.

About Your Contact Person

Who is my primary contact person? Is he or she a representative of an investment adviser? Who can I talk to if I have concerns about how this person is treating me?

Because we provide automated investment advice, you do not have a dedicated individual contact person. All account management, investment decisions, and portfolio monitoring are handled through our digital platform.

For questions or support:

Email: contact@unstoppableasset.com
Phone: (860) 368-0224
Support hours: Monday-Friday, 9am-5pm ET

When you contact us, you will speak with Amitabh Godha, our Chief Compliance Officer.

If you have concerns:

First, contact us directly at the email or phone above
If your concern isn't resolved, you can escalate to our Chief Compliance Officer: Amitabh Godha, CCO (CRD #7245321), Email: cco@unstoppableasset.com, Phone: (860) 368-0224

If you remain unsatisfied:

File a complaint with the SEC at sec.gov/complaint
Contact Arizona securities regulators

As an investment adviser, we have a fiduciary duty to act in your best interest. If you ever feel we're not meeting that obligation, please let us know.

Have more questions?