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Services
Investment Management
My investment recommendations are based on my own independent and unbiased research. Your after-tax return matters most, and that’s why I favor investments that help you keep more while the government keeps less. I advise on risk management and can show you ways to defer and reduce income, capital gains and estate taxes.
Being independent means I can focus on your needs. I’m not interested in promoting a certain product and I’m not limited to one company’s products. I’m interested in promoting your goals – the products are just the means to get there. As we identify your specific needs, we narrow the products and services to those that would help you.
Fee Based Investment Platforms
1. Advisor Solutions Brokerage Platform:
For the fee-based client looking for more investment flexibility and retirement income options.
Discretionary Trading : All accounts on this platform are combined to reach a fee breakpoint
Asset Value Annual Fee Billed Quarterly $0.00 $49,999.99 1.5 $50,000.00 $99,999.99 1.4 $100,000.00 $249,999.99 1.25 $250,000.00 $499,999.99 1.15 $500,000.00 $749,999.99 1.05 $750,000.00 $999,999.99 1 $1,000,000.00 $1,749,999.99 0.9 $1,750,000.00 $2,999,999.99 0.8 $3,000,000.00 $3,999,999.99 0.7 $4,000,000.00 $4,999,999.99 0.6 $5,000,000.00 + Variable
Trading fees: Mostly covered by quarterly management fee with a few exceptions
$22 trading fee for individual stocks, exchange-traded funds and closed-end funds.
$25 trading fee for select no-load mutual funds.
$4 trade confirmation charge by the clearing firm.
$35 annual IRA custodial fee.
See Brokerage Fee Schedule – Pershing LLC
2. FTJ FundChoice Mutual Fund Platform:
For the fee-based client looking for a flexible mutual fund platform with no-load and load-waived funds.
Discretionary Trading : All accounts on this platform are combined to reach a fee breakpoint
Asset Value FTJ Annual Fee Billed Monthly ICA Annual Fee Billed Monthly $0.00 $50,000.00 0.45 1.15 $50,000.01 $100,000.00 0.35 1.05 $100,000.01 $250,000.00 0.25 1 $250,000.01 $500,000.00 0.18 0.95 $500,000.01 + 0.15 Variable
Account maintenance fee: (1/12th billed to the account each month)
$50 annually or $25 annually per account with electronic statements
3. Third-Party Asset Managers:
I have access to many third-party asset managers, including UBS, Lazard, Russell, JP Morgan, Hanlon, Genworth and Clark.* There may be good reasons to use these professional managers as a method to diversify investment-management styles and/or give more strategic and tactical approaches. Fee schedules vary by manager.
*Firms listed are intended as examples, and are not specific recommendations.
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