What investment services and advice can you provide me?

Description of Services: We offer investment advisory services to retail investors by utilizing portfolio models, customized portfolios, and financial planning. Additionally, investment advice is provided to retirement plan fiduciaries.

Authority: Advisory services are offered on a discretionary basis, which means your advance approval is not required to determine the type and amount of securities to be bought and sold for your accounts; however, we do not have the ability to select the broker-dealer through which transactions will be executed. We have no authorization to withdraw funds from your account(s) unless prior written authorization is obtained by you, including but not limited to the payment of our advisory fees. This discretion is consistent with the stated objectives for your account(s) and your written authorization, as part of our Investment Advisory Agreement (“IAA”). See Item 4 and 7 of Form ADV Part 2A (“Disclosure Brochure”) for additional information.

Monitoring: As part of our standard services, we will monitor the holdings and make trades within your portfolio, pursuant to your authorization, on a continual basis. We will meet with you, at least annually, to review and explain portfolio performance. Services selected from our Financial Planning Agreement (“FPA”) and/or Financial Advice Agreement (“FAA”) will be performed as a one-time engagement and will not be subject to ongoing adviser monitoring or updating, unless recommendations proceed through implementation.

Limited Investment Offerings: We conduct primary advisory services through Fidelity Investments and, as a result, could be limited in the products and/or services we offer.  Investment recommendations for retirement plan participants are limited to those products offered by the retirement plan platform.

Account Minimums: As a condition for establishing and maintaining an advisory relationship, we generally require the following minimums: *

• Indexed Strategic Portfolio - $10,000 and up
• Active Strategic Portfolio - $40,000 and up
• Strategy customization - $500,000 or greater

*Portfolios of your family members will be considered in determining the minimum(s)

At our sole discretion, we accept clients with smaller portfolios based on factors described more fully in Item 4 of our Disclosure Brochure.  

Conversation Starters: 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 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 those conflicts because they can affect the investment advice we provide to you. Here are some examples to help you understand what this means:

• Third Party Payments: We do not engage in third party payments, but may receive services from third parties, including but not limited to marketing, training, technology, and/or education, thereby limiting our offerings to parties providing incentives.
• Our firm makes money by offering products and services to you that we in turn earn money on and therefore have an incentive to sell these products and services to you.
• Affiliated Entities: We are under common ownership with Holland Insurance Services, Inc.; Holland, Tacinelli, CPAs, P.A.; and Holland Productions, Inc.; Recommended action through these entities creates incentives to make recommendations solely for the increase in revenue.
• Rollover Recommendations: Recommending that you roll over an employer-sponsored retirement plan or IRA to another IRA is a conflict if the compensation we receive for servicing the rollover is higher than if assets remain in your existing plan.
• Transfer Recommendations: Recommending you transfer your existing brokerage, insurance, or mutual fund account(s) to an account under our management is a conflict because we will earn revenue if you transfer but would not earn fees if you did not.
• Incentives: The firm may have an incentive to encourage you to increase the assets in your account, as the more assets under management in your account, the more you will pay in fees.
• Hourly or flat fee basis: If our firm charges hourly or a flat fee, our firm has an incentive to recommend specific courses of action through the firm's services that may lead to the firm receiving additional compensation.
• Trustee and Estate Services: Certain financial professionals and affiliated employees in their individual capacities act as trustee, executor, and power of attorney and is a conflict because they will earn additional revenueby acting in those roles.

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

For more information, please review Items 10 and 11 of our Disclosure Brochure.

 

Do your financial professionals have legal or disciplinary history?

No.  Visit Investor.gov/CRS for a free and simple search tool to research us and our financial professionals.

Conversation Starter: Ask your financial professional:

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