Fee Based Investment Program
The investment marketplace is a complex, changing world of choices. Sorting through those choices requires both time and expertise. The myriad of financial products and services can overwhelm even the most savvy investor. Fortunately, there are many alternatives for investors to consider when pursuing their financial goals. The key to securing your financial future is to evaluate these alternatives and select the ones that are right for you.

With the help and guidance from us, as your financial advisor, in tandem with a flexible portfolio management program, you can start on the road to achieving your long-term goals. We can develop a personalized investment plan that incorporates your risk tolerance, investment objectives, diversification needs and long-term goals while providing flexibility to tailor an investment approach for your individual needs.

In the investment world, most investment advisors has a great many conflicts of interest. If they work for another company then that company can request and even require then to recommend certain products that they want sold. That is why so many bad mortgage investments were sold before 2008. And that is why so many bad tech stocks were sold before 2001, etc. We strive to avoid all conflicts of interest. Clients are paying us to give them expert advice and not to sell them some products. And we manage portfolios using our best wisdom and always put the clients needs and desires first and formost. We accept a feduciary responsiability which brokers usually do not.

Whether you are saving for retirement, college education, business acquisition or financial independence, a fee based program can be an excellent approach to building, managing and preserving your wealth.

Fee Based Program Highlights

• Most clients are placed with the custodian: TD Ameritrade Institutional which offers you access to over 8000 mutual funds from some of the country's strongest and most recognizable fund families and most of the small fund families as well. We can place a wide variety of investments in the account including mutual funds, stocks and bonds. Selected variable annuities can be linked to the account. We use strategic and tactical asset allocation methods to actively manage your investments. We review our methods and recommended investments on a continual basis and review each separate account on a through basis on at least a quarterly basis. State-of-the-art, comprehensive Quarterly Performance Reports are provided to help you track the success of your portfolio relative to your stated objectives. As a client you will know how well your account is doing and also how well relative to benchmarks it is doing. When you invest through an account, rather than pay commission on each transaction, you pay an annual program fee that is calculated as a percentage of the asset value of your account. As your advisor, we determine the fee based on the level of on-going service and expertise your account requires.
• The program fee is automatically deducted from your account on a monthly basis.
• TD Ameritrade Institutional is a clearing broker which accepts the responsiability of a fiduciary under applicable law. They accept, like Investment and Asset Planning does, that they are oblicated to act in the clients best interest and to place the clients interest before its own.
• Please request a "Client Agreement" to read or any posiable conflicts of Interest.
• We also manage annuities and in such cases the custodian is an insurance company which provides an annuity platform. One such annuity company which we use is Jefferson National which has a very low cost for clients.