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When a retail investor engages us to provide investment management services we shall monitor, on a continuous basis, the investments in the accounts over which we have authority as part of our investment management service. Furthermore, when engaged on a discretionary basis, we shall have the authority, without prior consultation with you (unless you impose restrictions on our discretionary authority), to buy, sell, trade and allocate the investments within your account(s) consistent with your investment objectives. Our authority over your account(s) shall continue until our engagement is terminated.
Mutual Funds
Other Fees and Costs: Your investment assets will be held with a qualified custodian. Custodians generally charge brokerage commissions and/or transaction fees for effecting certain securities transactions. In addition, relative to all mutual fund and exchange traded fund purchases, certain charges will be imposed at the fund level (e.g. management fees and other fund expenses).
Wealth Management
Every financial decision we make has an impact on our lives which ripples through even the non-financial dimensions of our lives. Wealth management combines ongoing financial planning and prudent investment management into a process of clarifying and enhancing your financial situation by addressing all of your financial possibilities and goals on a regular and ongoing basis. This involves working with a financial professional who’s main objective is to understand you and to find out what’s important to you and why. We work with you as a consultant and not as a product provider or seller. If appropriate we can also coordinate an independent team of experts such as tax and estate attorneys and accountants to address your more complex and specific needs. This process can not only enhance your current financial situation but also provides you with a framework for making smart financial decisions as you move forward.
Financial planning can be a life-long process that assists you and your family in taking control of your financial future. By setting financial goals, developing and implementing financial strategies, making smart decisions and monitoring progress on a regular basis, the likelihood of achieving your goals is greatly increased.
Retirement Planning
It’s believed that retirement planning as we currently know it didn’t really exist until a few decades ago. Up to that point, people worked until 65 and then sailed into retirement on a pension plan.
Annuities
A broker is defined as “any person engaged in the business of effecting transactions in securities for the account of others”. Brokers are paid through commissions tied to the investments they select for the client. Sometimes these expenses are not seen by the client as can be the case with mutual funds which have a revenue sharing arrangement and is the case with many insurance products (annuities, life insurance, etc.).