Item 2 – What investment services and advice can you provide me?
We provide investment planning and retirement planning services to retail investors. Services are based on the individual needs of the client. An initial interview and data gathering questionnaire is undertaken to determine the client’s financial situation and investment objectives. With this information, our financial professionals use their knowledge of clients, financial products and strategies, regulations, and the economy to determine appropriate recommendations to work towards attaining your goals and objectives. Recommendations are then presented along with determining an execution strategy. Ongoing support is provided for execution and periodic meetings and communications are conducted to review life or goal changes, investment performance, and adjust your financial strategies as necessary.
As a part of our standard service, we monitor client portfolios as part of an ongoing process with regular account reviews. Our financial professionals are responsible for reviewing the individual portfolios, investment objectives, strategies, and restrictions (if any) for their respective clients. Reviews may be triggered by material market, economic or political events, or by changes in client’s financial situations (such as retirement, termination of employment, physical move, or inheritance). Clients give us discretionary authority to determine the securities to be bought or sold. In all cases, however, such authority is exercised in a manner consistent with the stated investment objectives for the particular account. Clients sign a limited power of attorney and may also choose to restrict our ability to have full discretionary authority and impose reasonable account restrictions. When clients limit our discretionary authority, they will make the ultimate decision regarding the purchase or sale of investments. The minimum account size for opening and maintaining an account with our firm is $500,000.
For more detailed information about our services and fees, please feel free to request a copy of the firm’s disclosure Form ADV, Part 2A brochure. This brochure can also be found at the following public site: https://adviserinfo.sec.gov/ (Select “Firm” and indicate our CRD number 154934).
Conversation Starters – We encourage you to ask our financial professionals these key questions:
- 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?