What You Can Expect

Discount Broker Holds Assets

TD Ameritrade is the primary custodian we use in managing your accounts. By doing so we reduce costs, and the extra savings is passed onto you. TD Ameritrade holds the securities and sends monthly statements and trade confirmations directly to you to ensure accuracy, security and verifiability. In addition, it offers secure online access to your view accounts.

Fee-Only Cost Structure

Because we are a fee-only advisory firm, we do not receive any commissions or sales charges in the management of client accounts. This provides us more flexibility in our investment choices, and we have access to investments that are not available to the individual investor. Our fee-only investment management method is a percentage of the average balance of assets under management. Thus, our interests are aligned with yours. The better your accounts’ perform, the more assets we have to manage.

For smaller accounts an hourly or retainer fee structure is available in lieu of paying fees on assets under management. Education programs are tailored to your family’s, business’ or organization’s needs and priced accordingly.

Investment Style – Active Management

We monitor and actively manage each client portfolio, and implement changes as necessary to meet your specific objectives. We keep a long-term perspective on investment facts and trends, and educate you about their impact to your financial situation. There are two types of accounts:

• Personal Savings Plans: IIA has years of experience assisting with and managing clients’ individual, joint and trust accounts and conservatorships. In addition, we work with UTMA/UGMA accounts and college funds – 529 plans and Coverdell IRAs. We are familiar with various ways that accounts can be titled to avoid probate and even reduce or limit any liability or exposure to creditors.
• Retirement Savings Plans: Roth IRAs, Traditional IRAs, Rollover IRAs, SEP-IRAs and Simple IRAs, and qualified retirement plans (i.e., 401-Ks, profit-sharing, pension, defined benefit or contribution plans).

Investment Vehicles

Depending on your risk tolerance, we can use many different types of securities to meet your specific investment objectives.

• Bonds
• Certificates of Deposit
• Mutual Funds
• ETFs (Exchange Traded Funds)
• Individual Stocks

We take time to understand your goals, diagnose your financial situation, prescribe a tailored solution and provide ongoing care.

Performance Reporting

We provide semi-annual reporting that details your account(s) performance individually and in combination with all other associated family accounts. The reports clearly detail your current portfolio allocation, its performance, and other pertinent information that is in an understandable and verifiable format.

Opening An Investment Account

Starting an account is very simple. We take care of all the necessary paperwork. In addition, we arrange for asset transfer, automatic deposit or withdrawal, and can work with your CPA and/or attorney to help ensure the transition works in unison with your tax planning.