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Client Services and Fee Schedule
Philosophy
Our beliefs are that the financial planning process begins and ends with each client’s
individual needs. Success is measured by clients’ satisfaction, both quantitatively and
qualitatively. Our investment philosophy is to actively manage assets, to provide superior
risk adjusted returns, and remain fully invested through all market cycles.
Client Services
- Investment Management - a comprehensive and flexible approach to the management of assets,
based on diversification within asset classes. A wide variety of no-load financial products are
utilized to attain goals.
- Comprehensive Financial Planning - Clients’ goals and objectives build the foundation
for individualized financial plans. Clients’ input determines objectives, establishes risk
tolerance and targeted return dollars. Plans are monitored and updated to reflect the clients’
changing needs.
- Absolute Confidentiality - Your privacy is always respected and kept in the strictest confidence.
- Goal Setting - Advisors and clients work together to attain goals based on realistic
inputs and economic outlooks. Careful consideration and thorough research comprises the decision
making process for evaluating investment alternatives.
- Tax efficient management of assets - Assets held outside of retirement plans are monitored
to maximize after tax returns. Pension plan distributions are part of the tax consideration
process that goes into the appropriate liquidation of retirement assets.
- An “extra set of eyes” - Hourly services are available to evaluate existing
portfolio management. Reviews are conducted to insure clients’ total returns, tax efficiency
and appropriateness of asset allocations.
Investment management fee schedule
- There are no fees for the initial office consultation.
- There are no entrance or exit fees associated with services.
- Hourly services are available on a limited basis at a flat fee of $125 per hour.
- No annual account fees.
- No trade fees.
- Active Asset Management Fees are based on the following annualize schedule and billed quarterly:
| Annual % | Account Balances |
| 1.50% | $100,000 - $249,999 |
| 1.25% | $250,000 - $499,999 |
| 1.0% | $500,000 - $999,999 |
| .75% | $1,000,000 + |
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