Some investment solutions generate a commission which could cause potential bias when recommended by a financial professional.  Later on when the financial professional recommends portfolio changes, those may attract additional commissions.  This can make it hard to discern if the advice was derived independently of commission/s.

“Managed Accounts” were designed to address the above by having the following key features:

  • No entry fee and no commission paid to your advisor for recommending the platform.
  • No commissions to your advisor for recommendations to purchase or redeem securities. 
  • Your financial professional is acting as a fiduciary, expected to put your best interests first at all times and ensure that the recommendations made in the past remain appropriate going into the future.
  • A percentage annual fee based on the value of assets being managed, payable quarterly. 
  • Your account management may be terminated at any time upon receipt of your written request with no exit penalty.

Account Minimum: The initial minimum per account s $25,000. 

Household Minimum: We work with clients that are able to invest more than $250,000 in aggregate.

We work with a multitude of portfolio management solutions.  In some scenarios we are the portfolio managers and utilize individual stocks or bonds in addition to mutual funds and exchange traded funds (ETF's).  Or we may utilize a Third Party Money Manager Service.

Our portfolio management services include needs analysis, customized portfolio design, research, execution, monitoring, rebalancing, tax harvesting, required minimum distribution calculation and execution, liasing with your tax professional with respect to IRA/ROTH contribution consulting and execution, provision of tax documents, liaising with your estate attorney with respect to trust related matters, income distribution planning.

To engage us, we enter into an investment advisory agreement which discloses the services, fee schedules, custodian and other pertinent informantion to formally govern the arrangement.

For further information, please read the formal legal disclosure documents which are the United Planner's Financial Services of America ADV Part 2A and 2B.