IPS RIA, LLC CRD No

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "IPS RIA, LLC CRD No. 172840"

Transcription

1 IPS RIA, LLC CRD No ADVISORY CLIENT BROCHURE N. Central Expressway Suite 1100 Dallas, Texas O: F: FORM ADV PART 2A BROCHURE 1/26/2015 This brochure provides information about the qualifications and business practices of IPS RIA, LLC. If you have any questions about the contents of this brochure, please contact us at The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Additional information about IPS RIA, LLC is also available on the SEC s website at The searchable IARD/CRD number for IPS RIA, LLC is IPS RIA, LLC is a Registered Investment Adviser. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Prepared by: FBR Compliance Consulting

2 Item 2 Summary of Material Changes Since our initial ADV filing in December 2014, there have been no material changes to the Form ADV Part 2 brochure. Form ADV Part 2 requires registered investment advisers to amend their brochures when information materially inaccurate. If there are any material changes to an adviser s disclosure brochure, the adviser is required to notify you and provide you with a description of the material changes. 1

3 Item 3 Table of Contents Item Section Page Item 1 Cover Page Item 2 Summary of Material Changes 1 Item 3 Table of Contents 2 Item 4 Advisory Business 3 Item 5 Fees and Compensation 4 Item 6 Performance Based Fees and Side-by-Side Management 5 Item 7 Types of Clients 5 Item 8 Method Analysis, Investment Strategies, and Risk of Loss 6 Item 9 Disciplinary Information 7 Item 10 Other Financial Industry Activities and Affiliations 7 Item 11 Code of Ethics, Participation or Interest in Client Transaction and Personal Trading 8 Item 12 Brokerage Practices 8 Item 13 Review of Accounts 9 Item 14 Client Referrals and Other Compensation 9 Item 15 Custody 9 Item 16 Investment Discretion 10 Item 17 Voting Client Securities 10 Item 18 Financial Information 10 Item 19 Requirements for State-Registered Advisors 11 Item 20 Miscellaneous Information 11 2

4 Item 4 Advisory Business IPS RIA, LLC is a SEC registered investment adviser based in Dallas, Texas. We are organized as a limited liability company under the laws of the State of Texas. This brochure describes the investment management and advisory services we offer to our clients which include, but are not limited to, individuals, high net worth individuals, businesses, trusts, estates, retirement plans, endowments or foundations. This Summary Disclosure Statement is only for use with Advisor Managed clients; if you are not an Advisor Managed client please contact your Advisor to obtain the proper brochure. The following paragraphs describe our services and fees. Please refer to the description of each investment advisory service listed below for information on how we tailor our advisory services to your individual needs. Advisory Services Advisor provides asset management services defined as giving continuous investment advice to a client and making investments for the client based on the individual needs of the client. Advisor offers diversified portfolio development and management designed to achieve the client s financial objectives. Advisor may recommend stocks, bonds, mutual funds, exchange traded funds, variable annuities, direct participation programs or a combination thereof. Financial Planning & Consultation As part of its asset management services, Advisor may provide clients with financial planning services that may be specific or modular in their preparation (unique to each client in their depth of preparation). Topics included as part of the financial planning services may include the following: organization and assessment, retirement planning, education planning, long-term care, insurance planning, debt management, investments, tax planning, estate planning, and life events. In performing financial planning or consulting services, the Advisor generally examines and analyzes the client s entire financial situation, such as your tax status, insurance needs, overall debt, business ventures, retirement savings and current investments. The Advisor may review on one or several of these areas, depending upon the client s specific engagement. Selection of Other Advisors Advisor may recommend or select third party advisors to oversee the investment management responsibilities or Advisor may delegate third party advisor with discretionary authority of a client portfolio. Advisor and client will discuss the possible selection of any third party advisor to ensure that third party advisor is in alignment with attaining the client s financial objectives. Customarily, such arrangement will have the client enter into an agreement with third party advisor directly, which will outline, among other things, fees and trading practices attributable to your account by such third party advisor. Advisor and the third party advisor will share in the management fee paid by client. Regulatory Assets Under Management As of 12/31/14, we have no regulatory assets under management. Asset Under Advisement As of 12/31/2014, we have no assets under advisement. 3

5 Item 5 Fees and Compensation Advisor provides asset management services defined as giving continuous investment advice to a client and making investments for the client based on the individual needs of the client. Through this service, Advisor offers a highly customized and individualized investment program for clients. A specific asset allocation strategy and investment policy is crafted to focus on the specific client s goals and objectives. Advisor typically constructs portfolios consisting of securities and investments, equity securities, corporate debt securities, certificates of deposit, municipal securities, mutual funds, United States Government securities, option contracts, real estate and oil and gas interests. Asset-based account management fees range from percent and are decided by the Advisor and based on many factors, such as the value of assets under management, account registration or type (e.g. retirement), the scope of services provided, the platform or program the Advisor and client choose and the current market and pricing for similar services. Fees are negotiable. Asset-based fees are paid on a quarterly basis in advance, meaning Advisor will invoice and charge client before the end of the three month billing period. Advisor will base fees on the fair market value of the client account assets on the last business day of the preceding quarter. Advisor may waive or charge a lesser fee from time to time or may charge a flat fee for services rendered. Advisor s fees may be higher or lower than those charged by other advisers for comparable services. Additional Fees and Expenses In addition to Advisor s investment advisory fee(s), Client may be assessed other fees by parties independent from Advisor. The client may also incur, relative to certain investment products (such as mutual funds), charges imposed directly at the investment product level (e.g. advisory fees, administrative fees, and other fund expenses). Brokerage fees/commissions charged to Client for securities trade executions may be billed to the Client by the broker-dealer or custodian of record for the Client account, not Advisor. From time to time and as allowed by regulatory rule or law, Advisor or its representatives may receive commissions as a result of certain securities transactions effected on behalf of Client, where such transactions are effected in connection with Advisor s advisory services provided to Client. Any such commissions/fees are exclusive of, and in addition to compensation charged by Advisor. Compensation for the Sale of Securities or Other Investment Products Persons providing investment advice on behalf of our firm are registered representatives with Lion Street Financial, a securities broker-dealer, and a member of the Financial Industry Regulatory Authority and the Securities Investor Protection Corporation. In their capacity as registered representatives, these persons will receive commission-based compensation in connection with the purchase and sale of securities, including 12b-1 fees for the sale of investment company products. Compensation earned by these persons in their capacities as a registered representative is separate and in addition to our advisory fees. This practice presents a conflict of interest because persons providing investment advice on behalf of our firm who are registered representatives have an incentive to effect securities transactions for the purpose of generating commissions rather than solely based on your needs. However, you are under no obligation, contractually or otherwise, to purchase securities products through any person affiliated with our firm. 4

6 Persons providing investment advice on behalf of our firm are licensed as independent insurance agents and may, from time to time, conduct insurance transactions for our advisory clients. If these persons were to sell insurance products to our advisory clients they would be compensated by commissions and this may present a conflict of interest. It is our firm policy to recommend insurance products to our non-retirement plan clients or advisory clients based solely on their needs and objectives, and only when appropriate. All of our clients are under no obligation, contractually or otherwise, to purchase insurance products through our firm or any person affiliated with our firm. Item 6 Performance-Based Fees and Side-by-Side Management We do not accept performance-based fees or participate in side-by-side management. Side-by-side management refers to the practice of managing accounts that are charged performance-based fees while at the same time managing accounts that are not charged performance-based fees. Performance-based fees are fees that are based on a share of capital gains or capital appreciation of a client's account. Our fees are calculated as described in the Advisory Business section above, and are not charged on the basis of a share of capital gains upon, or capital appreciation of, the funds in your advisory account. Item 7 Types of Clients We provide investment advice and services to individuals, high net worth individuals, corporations and other business organizations, trusts, estates and charitable organizations. We generally require a minimum account level of $50,000 of these types of clients, although we may waive the account minimum from time to time at our discretion. 5

7 Item 8 Methods of Analysis, Investment Strategies and Risk of Loss We may use one or more of the following methods of analysis or investment strategies when providing investment advice to you: Fundamental Analysis - involves analyzing individual companies and their industry groups, such as a company's financial statements, details regarding the company's product line, the experience and expertise of the company's management, and the outlook for the company's industry. The resulting data is used to measure the true value of the company's stock compared to the current market value. Technical Analysis - involves studying past price patterns and trends in the financial markets to predict the direction of both the overall market and specific stocks. Long Term Purchases - securities purchased with the expectation that the value of those securities will grow over a relatively long period of time, generally greater than one year. Short Term Purchases - securities purchased with the expectation that they will be sold within a relatively short period of time, generally less than one year, to take advantage of the securities' short-term price fluctuations. We employ a system for analyzing mutual fund investment selections made available to our Advisory clients. We will evaluate certain aspects of the mutual fund and, given the results of said evaluation, will determine the fund's suitability. The criteria evaluated for each fund include, but are not limited to, manager tenure, expense ratios and fees, one- and five- year returns, level of assets under management, correlation to style and/or peer group, performance relative to peer group, and its reputation in the industry. We may recommend allocation models designed to fit the specific needs of individual client. Our investment strategies and advice may vary depending upon each client's specific financial situation. As such, we determine investments and allocations based upon your predefined objectives, risk tolerance, time horizon, financial horizon, financial information, liquidity needs, and other various suitability factors. Your restrictions and guidelines may affect the composition of your portfolio. Risks of Methods of Analysis Technical Analysis - The risk of market timing based on technical analysis is that charts may not accurately predict future price movements. Current prices of securities may reflect all information known about the security and day to day changes in market prices of securities may follow random patterns and may not be predictable with any reliable degree of accuracy. Fundamental Analysis - The risk of fundamental analysis is that information obtained may be incorrect and the analysis may not provide an accurate estimate of earnings, which may be the basis for a stock's value. If securities prices adjust rapidly to new information, utilizing fundamental analysis may not result in favorable performance. 6

8 Risk of Loss Investing in securities involves risk of loss that an Advisory should be prepared to bear. We do not represent or guarantee that our services or methods of analysis can or will predict future results, successfully identify market tops or bottoms, or insulate an Advisory client from losses due to market corrections or declines. We cannot offer any guarantees or promises that a Client s financial goals and objectives will be met. Past performance is in no way an indication of future performance. Recommendation of Particular Types of Securities The Advisor does not recommend any one particular type of security in its underlying investment portfolio. Instead, allows for a diversified portfolio which simply eliminates the sectors and economies which are currently at the highest perceived and/or statistical risk of decline, while focusing on those sectors with the highest probability of gain in the opinion of Advisor. Item 9 Disciplinary Information We have no legal or disciplinary events relating to our firm s advisory services to Plan clients or otherwise. Item 10 Other Financial Industry Activities and Affiliations Advisors providing investment advice on behalf of our firm are registered representatives with Lion Street Financial, a securities broker-dealer, and a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC). We have an affiliated company that is an insurance agency. Advisors providing investment advice on behalf of our firm are licensed insurance agents independent from our firm. In this capacity our Advisors may, from time-to-time, conduct insurance transactions for our Advisory clients. If these persons were to sell insurance products to our advisory clients they would be compensated by commissions and this may present a conflict of interest. Advisors may recommend insurance products to our clients based solely on their needs and objectives, and only when appropriate. All of our clients are under no obligation, contractually or otherwise, to purchase insurance products through our affiliated insurance agency or any person affiliated with our firm. 7

9 Item 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Code of Ethics We strive to comply with applicable laws and regulations governing our practices. Therefore, our Code of Ethics includes guidelines for professional standards of conduct for our Associated Persons. Our goal is to protect your interests at all times and to demonstrate our commitment to our fiduciary duties of honesty, good faith, and fair dealing with you. All of our Advisors are expected to adhere strictly to these guidelines. Persons associated with our firm are also required to report any violations of our Code of Ethics. Additionally, we maintain and enforce written policies reasonably designed to prevent the misuse or dissemination of material, non-public information about you or your account holdings by persons associated with our firm. Clients or prospective clients may obtain a copy of our Code of Ethics by contacting us at the telephone number on the cover page of this brochure. Participation or Interest in Client Transactions Neither our firm nor any of our Advisors has any material financial interest in client transactions beyond the provision of investment advisory services as disclosed in this brochure. Personal Trading Practices Our firm or persons associated with our firm may buy or sell the same securities that we recommend to you or securities in which you are already invested. A conflict of interest exists in such cases because we have the ability to trade ahead of you and potentially receive more favorable prices than you will receive. To eliminate this conflict of interest, it is our policy that neither our Associated Persons nor we shall have priority over your account in the purchase or sale of securities. Item 12 Brokerage Practices Our firm does not maintain custody of client assets which we may advise. Therefore, client assets will be held by a qualified custodian, generally a broker/dealer of bank. We may recommend the brokerage and custodial services of Charles Schwab & Co., Inc. ( Schwab ), a securities broker-dealer and a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation(SIPC). We believe that Schwab provides quality execution services for you at competitive prices. We consider a range of factors, including but not limited to, asset custody and transaction execution services provided by Schwab, the value of research provided, the firm's reputation, execution, clearance and settlement capabilities, competitive pricing of comparable services offered by other available providers, commission rates, and responsiveness to our clients and our firm. In recognition of the value of research services and additional brokerage products and services Schwab provides, you may pay higher commissions and/or trading costs than those that may be available elsewhere. Advisor and its IARs may buy or sell securities that are also recommended to clients. In order to minimize this conflict of interest, securities recommended by Advisor are widely held and publicly traded. In addition, in accordance with its fiduciary duty to clients, Advisor and its associated persons will place client interests ahead of their own interests. 8

10 In accordance with its fiduciary duty to clients, Advisor and its associated persons will place client interests ahead of their own interests. Brokerage for Client Referrals We do not receive client referrals from broker-dealers in exchange for cash or other compensation, such as brokerage services or research. Item 13 Review of Accounts Our Advisors will contact you, and typically meet with you at least annually, to review the performance of your account and any changes to your financial situation or investment goals and objectives. Advisors may also perform account reviews more frequently when market conditions dictate. Other conditions that may trigger a review are changes in laws, new investment information and changes to your situation. We also require you, in our standard client agreement, to inform your Advisor promptly of any changes to you information, including changes to your financial situation or investment objectives and policies. You will receive confirmations of all transactions, monthly statements and/or quarterly account statements Schwab, the designated custodian, of you advisory assets. Our Advisors are available during normal business hours to answer questions or concerns you may have. Item 14 Client Referrals and Other compensation Advisors providing investment advice on behalf of our firm are licensed insurance agents, and are registered representatives with Lion Street Financial, a securities broker-dealer, and a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation(SIPC). We may also enter into arrangements where we and our Advisors refer you to unaffiliated investment advisers that will provide advisory services to you. When we make such a referral, we and our Advisors will typically receive a portion of the total fee the investment adviser charges you so long as they provide you services. We and your Advisor may receive a transaction fee for such services as a solicitor. Any such arrangements will be designed to comply with the Advisers Act of We may receive securities commissions, service fees, 12b-1 fees and other third-party payments if you implement our recommendations through Schwab. We receive an economic benefit from Schwab in the form of support products and services it makes available to us and other independent investment advisors that have their clients maintain accounts at Schwab. These products and services, how they benefit us, and the related conflicts of interest are disclosed above. The availability to us of Schwab s products and services is not based on us giving particular advice, such as buying particular securities for our clients. Item 15 Custody Our clients authorize us to instruct Schwab to deduct advisory fees directly from their Advisory account. Your funds and securities will be held at Schwab, qualified custodian, and not our firm. If you have a question regarding your account statement or if you did not receive a statement from your custodian, please contact our office at or Schwab s customer service. 9

11 Item 16 Investment Discretion Client will authorize Advisor to provide discretionary investment advisory services for client accounts. Advisor s discretionary authority will be granted by the client in the client agreement. When discretionary authority is granted, it is limited in that Advisor will only be given discretionary trading authority. This authority will allow Advisor to determine the type of securities and the amount of securities that can be bought or sold for the client portfolio without obtaining the client s consent for each transaction. Item 17 Voting Client Securities We will not vote proxies on behalf of your advisory accounts. At your request, we may offer you advice regarding corporate actions and the exercise of your proxy voting rights. If you own shares of common stock or mutual funds, you are responsible for exercising your right to vote as a shareholder. In most cases, you will receive proxy materials directly from the account custodian. However, in the event we were to receive any written or electronic proxy materials, we would forward them directly to you by mail, unless you have authorized our firm to contact you by electronic mail, in which case, we would forward any electronic solicitation to vote proxies. Item 18 Financial Information We do not have any financial condition likely to impair our ability to meet our contractual commitments to you. 10

12 Item 19 Requirements for State-Registered Advisers Neither our firm, nor any of our Advisors are compensated for advisory services with performance-based fees. Please refer to the "Performance-Based Fees and Side-By- Side Management" section above for additional information on this topic. Neither our firm, nor any of our Advisors have a material relationship or arrangement with any issuer of securities. Neither our firm, nor any of our Advisors have any reportable arbitration claims, civil, self regulatory organization proceeding or administrative proceeding. Refer to the Part 2B brochure supplements for background information about management personnel and those giving advice on behalf of our firm. We have an affiliated company that is a licensed insurance agency. Item 20 Miscellaneous Information Class Action Lawsuits We do not determine if securities held by in Advisory portfolio are the subject of a class action lawsuit or if the Client is eligible to participate in class action settlements or litigation nor do we initiate or participate in litigation to recover damages on the Client s behalf for injuries as a result of actions, misconduct, or negligence by issuers of securities held by you. Business Continuity Plan We maintain a business continuity plan designed to minimize the impact of disasters, emergencies, and other unforeseen circumstances involving our services and communications. 11

Keystone Financial Planning, Inc.

Keystone Financial Planning, Inc. Keystone Financial Planning, Inc. 7261 Engle Road Suite 308 Middleburg Heights, Ohio 44130 Telephone: 440.234.6323 Facsimile: 440.234.6844 Website: www.keystonefin.com February 10, 2014 FORM ADV PART 2

More information

Independent Investment Advisors, Inc.

Independent Investment Advisors, Inc. 901 Mopac Expressway South Barton Oaks Plaza One, Suite 300 Telephone:512-633-0944 Facsimile: 512-730-1633 January 27, 2013 FORM ADV PART 2A BROCHURE This brochure provides information about the qualifications

More information

Form ADV Part 2A Disclosure Brochure

Form ADV Part 2A Disclosure Brochure Form ADV Part 2A Disclosure Brochure Effective: February 3, 2014 This Disclosure Brochure provides information about the qualifications and business practices of Congress Capital Partners, LLP ( Congress

More information

Clear Perspectives Financial Planning, LLC Firm Brochure

Clear Perspectives Financial Planning, LLC Firm Brochure Clear Perspectives Financial Planning, LLC Firm Brochure This brochure provides information about the qualifications and business practices of Clear Perspectives Financial Planning, LLC. If you have any

More information

Part 2A of Form ADV: Firm Brochure

Part 2A of Form ADV: Firm Brochure Part 2A of Form ADV: Firm Brochure Item 1 Cover Page ADVISORY PROGRAM BROCHURE For CROWN CAPITAL MANAGEMENT LLC 15851 Dallas Parkway, Suite 600 Addison, TX 75001 (972) 272-2000 www.crowncm.com This brochure

More information

March 9, 2011. Additional information about Edward Vance also is available on the SEC s website at www.adviserinfo.sec.gov

March 9, 2011. Additional information about Edward Vance also is available on the SEC s website at www.adviserinfo.sec.gov Item 1 Cover Page EVIM, LLC dba Edward Vance Investment Management Business contact: Edward Vance 2607 Vineville Ave. Suite 104 Macon, GA 31204 vanceinvestments.com edwardvanceinvestmentmanagement.com

More information

Investment Advisory Disclosure Brochure

Investment Advisory Disclosure Brochure ADV Part 2A Appendix 1 211 E. High Street, Pottstown, PA 19464 610.323.5860 800.266.6532 www.mlfa.com Investment Advisory Disclosure Brochure March 25, 2013 This wrap fee program brochure provides information

More information

Part 2A of Form ADV: Firm Brochure

Part 2A of Form ADV: Firm Brochure Part 2A of Form ADV: Firm Brochure Item 1 Cover Page A. VL Capital Management LLC 55 West Church Street Orlando, FL 32801 Mailing Address: P.O. Box 1493 Orlando, FL 32802 Phone: (407) 412-6298 Effective

More information

Retirement Funding Advisors, Inc. 8031 M-15 Clarkston, MI 48348 248-620-8035

Retirement Funding Advisors, Inc. 8031 M-15 Clarkston, MI 48348 248-620-8035 Firm Brochure (Form ADV Part 2A) Retirement Funding Advisors, Inc. 8031 M-15 Clarkston, MI 48348 248-620-8035 May 31, 2011 This brochure provides information about the qualifications and business practices

More information

Item 1: Cover Page LLC. Firm Brochure - Form ADV Part 2A

Item 1: Cover Page LLC. Firm Brochure - Form ADV Part 2A Item 1: Cover Page Selective Wealth Management LLC Firm Brochure - Form ADV Part 2A This brochure provides information about the qualifications and business practices of Selective Wealth Management LLC.

More information

INSIGHT FINANCIAL ADVISORS 400 North Tustin Avenue, Suite 250 Santa Ana, CA 92705 (714) 541-1400 www.insightfa.com October 1, 2014

INSIGHT FINANCIAL ADVISORS 400 North Tustin Avenue, Suite 250 Santa Ana, CA 92705 (714) 541-1400 www.insightfa.com October 1, 2014 INSIGHT FINANCIAL ADVISORS 400 North Tustin Avenue, Suite 250 Santa Ana, CA 92705 (714) 541-1400 www.insightfa.com October 1, 2014 This Brochure provides information about the qualifications and business

More information

Form ADV Part 2A Brochure March 30, 2015

Form ADV Part 2A Brochure March 30, 2015 Item 1 Cover Page Form ADV Part 2A Brochure March 30, 2015 OneAmerica Securities, Inc. 433 North Capital Avenue Indianapolis, Indiana, 46204 Telephone: 877-285-3863, option 6# Website: www.oneamerica.com

More information

Webster Wealth Advisors, Inc.

Webster Wealth Advisors, Inc. Webster Wealth Advisors, Inc. 195 Danbury Road, Suite 220 Davenport Building Wilton, CT 06897 (888) 862 9644 www.websterwealthadvisors.com March 30, 2015 This Brochure provides information about the qualifications

More information

FORM ADV PART 2A Brochure

FORM ADV PART 2A Brochure FORM ADV PART 2A Brochure HERITAGE WEALTH ADVISORS 901 EAST BYRD ST. WEST TOWER, SUITE 1300 RICHMOND, VA 23219 (804) 643-4080 WWW.HERITAGEWEALTH.NET Brochure updated MARCH 17, 2011 This brochure provides

More information

Rebalance Inc. Client Brochure and Privacy Policy

Rebalance Inc. Client Brochure and Privacy Policy Rebalance Inc. Client Brochure and Privacy Policy This brochure provides information about the qualifications and business practices of Rebalance, Inc. as well as its Privacy Policy. If you have any questions

More information

Pillar Wealth Management, LLC. Client Brochure

Pillar Wealth Management, LLC. Client Brochure Pillar Wealth Management, LLC. Client Brochure This brochure provides information about the qualifications and business practices of Pillar Wealth Management, LLC.. If you have any questions about the

More information

KADEMIAN FINANCIAL GROUP, INC. 111 East Kilbourn Avenue Suite 1850 MILWAUKEE, WI 53202 414-289-9925. marsha@kademianfg.com

KADEMIAN FINANCIAL GROUP, INC. 111 East Kilbourn Avenue Suite 1850 MILWAUKEE, WI 53202 414-289-9925. marsha@kademianfg.com KADEMIAN FINANCIAL GROUP, INC. 111 East Kilbourn Avenue Suite 1850 MILWAUKEE, WI 53202 414-289-9925 marsha@kademianfg.com 3/1/2011 FORM ADV PART 2 BROCHURE This brochure provides information about the

More information

Pillar Wealth Management, LLC. Client Brochure

Pillar Wealth Management, LLC. Client Brochure Pillar Wealth Management, LLC. Client Brochure This brochure provides information about the qualifications and business practices of Pillar Wealth Management, LLC.. If you have any questions about the

More information

KMH Wealth Management, LLC PO Box 2549 101 S. Main St. Suite 300 Victoria, TX 77902 FORM ADV PART 2 BROCHURE

KMH Wealth Management, LLC PO Box 2549 101 S. Main St. Suite 300 Victoria, TX 77902 FORM ADV PART 2 BROCHURE KMH Wealth Management, LLC PO Box 2549 101 S. Main St. Suite 300 Victoria, TX 77902 361 573-4383 Fax 361 573-1168 www.kmhwealth.com mail@kmhwealth.com 3/19/2014 FORM ADV PART 2 BROCHURE This brochure provides

More information

VERDE WEALTH GROUP, LLC

VERDE WEALTH GROUP, LLC VERDE WEALTH GROUP, LLC 2323 S. Shepherd Dr. Suite 845 Houston, TX 77019 www.verdewealthgroup.com This brochure provides information about the qualifications and business practices of Verde Wealth Group,

More information

Level Paths, LLC. Form ADV Part 2A Appendix 1: Wrap Fee Program Brochure. 619 Pine Street Suite B Rolla, MO 65401

Level Paths, LLC. Form ADV Part 2A Appendix 1: Wrap Fee Program Brochure. 619 Pine Street Suite B Rolla, MO 65401 Level Paths, LLC Form ADV Part 2A Appendix 1: Wrap Fee Program Brochure 619 Pine Street Suite B Rolla, MO 65401 Telephone: 573-426-5770 Facsimile: 573-426-5775 www.levelpaths.net February 9, 2015 This

More information

F I R M B R O C H U R E

F I R M B R O C H U R E Part 2A of Form ADV: F I R M B R O C H U R E Dated: 03/24/2015 Contact Information: Bob Pfeifer, Chief Compliance Officer Post Office Box 2509 San Antonio, TX 78299 2509 Phone Number: (210) 220 5070 Fax

More information

MR Advisers, Inc. Rebalance IRA Client Brochure and Privacy Policy

MR Advisers, Inc. Rebalance IRA Client Brochure and Privacy Policy MR Advisers, Inc. Rebalance IRA Client Brochure and Privacy Policy This brochure provides information about the qualifications and business practices of MR Advisers, Inc. as well as it s Privacy Policy.

More information

Dennis Matthew Breier d/b/a Fairwater Wealth Management

Dennis Matthew Breier d/b/a Fairwater Wealth Management Item 1 Cover Page Dennis Matthew Breier d/b/a Fairwater Wealth Management Registered Investment Adviser 16W455 S. Frontage Road, Suite 311 Burr Ridge, Illinois 60527 (630) 282-6520 phone (630) 282-6520

More information

128 Union Street, Suite 507 New Bedford, MA (888)

128 Union Street, Suite 507 New Bedford, MA (888) Wrap Fee Brochure September 8, 2014 128 Union Street, Suite 507 New Bedford, MA 02740 (888) 992-8601 www.barryinvestmentadvisors.com This wrap fee brochure provides information about the qualifications

More information

Douglas W. Jones Associates Financial & Insurance Services, Inc. 26477 Rancho Parkway South Lake Forest, California 92630

Douglas W. Jones Associates Financial & Insurance Services, Inc. 26477 Rancho Parkway South Lake Forest, California 92630 Douglas W. Jones Associates Financial & Insurance Services, Inc. 26477 Rancho Parkway South Lake Forest, California 92630 Phone: 949-699-1660 Fax: 949-699-1069 Web Site: www.jonesfinancial.com February

More information

Skyline Advisors Wrap Fee Program. Skyline Advisors, Inc. 405 32nd Street, Suite 201 Bellingham, WA 98225

Skyline Advisors Wrap Fee Program. Skyline Advisors, Inc. 405 32nd Street, Suite 201 Bellingham, WA 98225 Item 1: Cover Page for Part 2A Appendix 1 of Form ADV: Wrap Fee Program Brochure May 2015 Skyline Advisors Wrap Fee Program Sponsored By: Skyline Advisors, Inc. 405 32nd Street, Suite 201 Bellingham, WA

More information

Justice Financial Advising, Inc. FORM ADV PART 2A BROCHURE

Justice Financial Advising, Inc. FORM ADV PART 2A BROCHURE Justice Financial Advising, Inc. 1326 W. Highway 92, Unit 9 Bisbee, AZ 85603 520-432-6680 Phone 520-432-6895 Fax www.justicefinancial.net 3/31/2014 FORM ADV PART 2A BROCHURE This brochure provides information

More information

Summit Wealth Group, Inc. d/b/a Summit Wealth Management

Summit Wealth Group, Inc. d/b/a Summit Wealth Management d/b/a Summit Wealth Management Form ADV Part 2A Appendix 1 Wrap Fee Program Brochure Effective: March 6, 2015 This Wrap Fee Brochure provides information about the qualifications and business practices

More information

NET WORTH ADVISORY GROUP. Registered Investment Advisor

NET WORTH ADVISORY GROUP. Registered Investment Advisor NET WORTH ADVISORY GROUP Registered Investment Advisor Form ADV Part 2A Investment Advisor Brochure NET WORTH ADVISORY GROUP, LLC Form ADV Part 2A Investment Advisor Brochure Name of Registered Investment

More information

G&G Planning Concepts, Inc. Part 2A of Form ADV The Brochure

G&G Planning Concepts, Inc. Part 2A of Form ADV The Brochure G&G Planning Concepts, Inc. Part 2A of Form ADV The Brochure 9 East 40 th Street, 15 th Floor, New York, NY 10016 www.gassmanfg.com Updated: March 28, 2014 This brochure provides information about the

More information

Part 2A Brochure. Investus Financial Planning, Inc. 1765 Santa Ana Ave, U-202 Costa Mesa, CA 92627 949-645-1403

Part 2A Brochure. Investus Financial Planning, Inc. 1765 Santa Ana Ave, U-202 Costa Mesa, CA 92627 949-645-1403 Part 2A Brochure Investus Financial Planning, Inc. 1765 Santa Ana Ave, U-202 Costa Mesa, CA 92627 949-645-1403 This brochure provides information about the qualifications and business practices of Investus

More information

Matson & Cuprill. 7361 East Kemper Road Suite B Cincinnati, OH 45249. Telephone: 513-563-7526 Facsimile: 513-563-7597. http://www.matsonandcuprill.

Matson & Cuprill. 7361 East Kemper Road Suite B Cincinnati, OH 45249. Telephone: 513-563-7526 Facsimile: 513-563-7597. http://www.matsonandcuprill. Matson & Cuprill 7361 East Kemper Road Suite B Cincinnati, OH 45249 Telephone: 513-563-7526 Facsimile: 513-563-7597 http://www.matsonandcuprill.com January 3, 2013 FORM ADV PART 2A BROCHURE This brochure

More information

Firm Brochure (Part 2A of Form ADV)

Firm Brochure (Part 2A of Form ADV) Firm Brochure (Part 2A of Form ADV) 7017 Hickman Road Urbandale, IA 50322 PHONE: 515-279-1400 FAX: 515-274-0990 EMAIL: staff@srmltd.com This brochure provides information about the qualifications and business

More information

WISLAR WEALTH MANAGEMENT, LLC 10 East Broad Street Hopewell, NJ 08525

WISLAR WEALTH MANAGEMENT, LLC 10 East Broad Street Hopewell, NJ 08525 WISLAR WEALTH MANAGEMENT, LLC 10 East Broad Street Hopewell, NJ 08525 A SEC Registered Advisory Firm 1 FIRM BROCHURE, MARCH 2011 This brochure provides information about the qualifications and business

More information

The Investment Counsel Company of Nevada

The Investment Counsel Company of Nevada Item 1 Cover Page The Investment Counsel Company of Nevada SEC File Number: 801 32353 ADV Part 2A, Firm Brochure Dated 3/24/2015 Contact: Michelle Konstantarakis, Chief Compliance Officer 10000 West Charleston

More information

ADELL, HARRIMAN & CARPENTER, INC. Investment Management & Financial Counsel

ADELL, HARRIMAN & CARPENTER, INC. Investment Management & Financial Counsel ADELL, HARRIMAN & CARPENTER, INC. Investment Management & Financial Counsel Part 2A of Form ADV The Brochure 2700 Post Oak Blvd., Suite 1200 Houston, TX 77056 (713) 621-1155 www.ahcinvest.com Updated:

More information

GREYLOCK PEAK VENTURES LLC 125 S. Main Street Sebastopol, CA 95472 707-515-6770 Fax 413.485.7008

GREYLOCK PEAK VENTURES LLC 125 S. Main Street Sebastopol, CA 95472 707-515-6770 Fax 413.485.7008 Item 1 Cover Page Firm Brochure (Part 2A of Form ADV) GREYLOCK PEAK VENTURES LLC 125 S. Main Street Sebastopol, CA 95472 707-515-6770 Fax 413.485.7008 March 8, 2016 This brochure provides information about

More information

Firm Brochure (Part 2A of Form ADV)

Firm Brochure (Part 2A of Form ADV) Firm Brochure (Part 2A of Form ADV) 275 Hill Street, Suite 210 Reno, NV 89501 PHONE: 775-674-2222 FAX: 775-348-8708 WEBSITE: www.nvretirementplanners.com EMAIL: info@nvretirementplanners.com This brochure

More information

Cambridge Investment Research Advisors, Inc. 1776 Pleasant Plain Road Fairfield, IA 52556 800-777-6080 www.cir2.com. Date of Brochure: September, 2013

Cambridge Investment Research Advisors, Inc. 1776 Pleasant Plain Road Fairfield, IA 52556 800-777-6080 www.cir2.com. Date of Brochure: September, 2013 Item 1 - Cover Page 1776 Pleasant Plain Road Fairfield, IA 52556 800-777-6080 www.cir2.com Date of Brochure: September, 2013 This brochure provides information about the qualifications and business practices

More information

Moller Financial Services

Moller Financial Services One Northfield Plaza, Suite 200 Northfield, Illinois 60093 847-441-7575 www.mollerfinancial.com December 31, 2014 This Brochure provides information about the qualifications and business practices of.

More information

Firm Brochure (Part 2A of Form ADV) The Asset Advisory Group, Inc.

Firm Brochure (Part 2A of Form ADV) The Asset Advisory Group, Inc. Firm Brochure (Part 2A of Form ADV) 9200 Montgomery Road Cincinnati, Ohio 45242 (513) 771-7222 (888) 234-7982 www.taaginc.com info@taaginc.com This brochure provides information about the qualifications

More information

All Season Financial Advisors, Inc. All Season Financial Advisors, Inc.

All Season Financial Advisors, Inc. All Season Financial Advisors, Inc. Item 1 Cover Page All Season Financial Advisors, Inc. SEC File Number: 801 16626 All Season Financial Advisors, Inc. Brochure Dated 3/12/2015 Contact: Samuel F. Jones, Chief Compliance Officer 731 Sherman

More information

Form ADV Part 2A Firm Brochure. Calamus Financial Planning

Form ADV Part 2A Firm Brochure. Calamus Financial Planning Item 1: Cover Page Form ADV Part 2A Firm Brochure Calamus Financial Planning Thomas Edward Donnelly, JD, PFP Chief Compliance Officer Calamus Financial Planning 8440 Fountain Avenue PH 6 West Hollywood,

More information

Accretive Wealth Management, LLC Firm Brochure - Form ADV Part 2A

Accretive Wealth Management, LLC Firm Brochure - Form ADV Part 2A Accretive Wealth Management, LLC Firm Brochure - Form ADV Part 2A This brochure provides information about the qualifications and business practices of Accretive Wealth Management, LLC. If you have any

More information

Disclosure Brochure. April 24, 2015. Fiduciary Wealth Partners, LLC. Registered Investment Adviser

Disclosure Brochure. April 24, 2015. Fiduciary Wealth Partners, LLC. Registered Investment Adviser Disclosure Brochure April 24, 2015 Fiduciary Wealth Partners, LLC Registered Investment Adviser 225 Franklin Street, 26 th Floor Boston, Massachusetts 02110 (617) 217-2700 www.fwp.partners This brochure

More information

Lamorinda Financial Planning, LLC

Lamorinda Financial Planning, LLC Lamorinda Financial Planning, LLC Firm Brochure - Form ADV Part 2A This brochure provides information about the qualifications and business practices of Lamorinda Financial Planning, LLC. If you have any

More information

Northwest Quadrant, LLC 63088 NE 18 th Street, Suite 190 Bend, OR 97701 (541) 388-9888. Firm Contact: Tyler Simones Chief Compliance Officer

Northwest Quadrant, LLC 63088 NE 18 th Street, Suite 190 Bend, OR 97701 (541) 388-9888. Firm Contact: Tyler Simones Chief Compliance Officer Item 1: Cover Page Part 2A Appendix 1 of Form ADV: Wrap Fee Program January 2015 Northwest Quadrant, LLC 63088 NE 18 th Street, Suite 190 Bend, OR 97701 (541) 388-9888 Firm Contact: Tyler Simones Chief

More information

Potter Financial Solutions, Inc. 2542 W 108 th Place Westminster, CO 80234 303-819-8056 www.potterfinancialsolutions.

Potter Financial Solutions, Inc. 2542 W 108 th Place Westminster, CO 80234 303-819-8056 www.potterfinancialsolutions. Potter Financial Solutions, Inc. 2542 W 108 th Place Westminster, CO 80234 303-819-8056 www.potterfinancialsolutions.com 03/01/2016 This Brochure provides information about the qualifications and business

More information

Johanson Financial Advisors, Inc. 2105 South Bascom Avenue, Suite 255 Campbell, CA 95008. Firm Contact: Lynda Tu Chief Compliance Officer

Johanson Financial Advisors, Inc. 2105 South Bascom Avenue, Suite 255 Campbell, CA 95008. Firm Contact: Lynda Tu Chief Compliance Officer Part 2A of Form ADV: Firm Brochure Item 1: Cover Page June 2015 Johanson Financial Advisors, Inc. 2105 South Bascom Avenue, Suite 255 Campbell, CA 95008 Firm Contact: Lynda Tu Chief Compliance Officer

More information

DISCLOSURE BROCHURE. McConnell Financial Advisors, LLC. Office Address: 312 W. Idaho St. Boise, ID 83702. Tel: 208-287-3725 Fax: 208-345-3511

DISCLOSURE BROCHURE. McConnell Financial Advisors, LLC. Office Address: 312 W. Idaho St. Boise, ID 83702. Tel: 208-287-3725 Fax: 208-345-3511 DISCLOSURE BROCHURE McConnell Financial Advisors, LLC Office Address: 312 W. Idaho St. Boise, ID 83702 Tel: 208-287-3725 Fax: 208-345-3511 renee@reneemcconnell.com www.reneemcconnell.com This brochure

More information

Form ADV Part 2A Disclosure Brochure

Form ADV Part 2A Disclosure Brochure Form ADV Part 2A Disclosure Brochure Effective: June 1, 2015 This Disclosure Brochure provides information about the qualifications and business practices of Connecticut Wealth Management, LLC ( CTWM ).

More information

110 Fort Couch Road, Suite 108. Pittsburgh, PA 15241 412-851-1400. www.kapustafinancial.com

110 Fort Couch Road, Suite 108. Pittsburgh, PA 15241 412-851-1400. www.kapustafinancial.com Kapusta Financial Group IARD/CRD No: 123349 Form ADV Part 2A March 13, 2014 3 Brochure 110 Fort Couch Road, Suite 108 Pittsburgh, PA 15241 412-851-1400 www.kapustafinancial.com 3/13/2014 FORM ADV PART

More information

FIRM BROCHURE (Part 2A of Form ADV) Cover Page N. Federal Highway Suite 200 Boca Raton, FL (561)

FIRM BROCHURE (Part 2A of Form ADV) Cover Page N. Federal Highway Suite 200 Boca Raton, FL (561) FIRM BROCHURE (Part 2A of Form ADV) Cover Page 1200 N. Federal Highway Suite 200 Boca Raton, FL 33432 (561) 288-1160 February 29, 2016 www.rubinwa.com This brochure provides information about the qualification

More information

J.H. ELLWOOD & ASSOCIATES, INC. 33 West Monroe, Suite 1850 Chicago, IL 60603 (312) 782-5432 www.ellwoodassociates.com.

J.H. ELLWOOD & ASSOCIATES, INC. 33 West Monroe, Suite 1850 Chicago, IL 60603 (312) 782-5432 www.ellwoodassociates.com. J.H. ELLWOOD & ASSOCIATES, INC. 33 West Monroe, Suite 1850 Chicago, IL 60603 (312) 782-5432 www.ellwoodassociates.com March 31, 2015 This brochure provides information about the qualifications and business

More information

Jarus Wealth Advisors LLC

Jarus Wealth Advisors LLC Jarus Wealth Advisors LLC Firm Brochure - Form ADV Part 2A This brochure provides information about the qualifications and business practices of Jarus Wealth Advisors LLC. If you have any questions about

More information

FSB Premier Wealth Management, Inc. 131 Tower Park Drive Suite 115. Waterloo, IA 50701 Phone: 800-747-9999. Fax: 319-291-8626. www.fsbfs.

FSB Premier Wealth Management, Inc. 131 Tower Park Drive Suite 115. Waterloo, IA 50701 Phone: 800-747-9999. Fax: 319-291-8626. www.fsbfs. FSB Premier Wealth Management, Inc. 131 Tower Park Drive Suite 115 Waterloo, IA 50701 Phone: 800-747-9999 Fax: 319-291-8626 www.fsbfs.com This brochure provides information about the qualification and

More information

Form ADV Part 2A Disclosure Brochure

Form ADV Part 2A Disclosure Brochure Form ADV Part 2A Disclosure Brochure Amended: March 12, 2015 This Disclosure Brochure provides information about the qualifications and business practices of Common Cents Wealth Management, LLC ( Common

More information

Part 2A of Form ADV: Firm Brochure. Accredited Investors Inc. 5200 W. 73rd Street Edina, MN 55439

Part 2A of Form ADV: Firm Brochure. Accredited Investors Inc. 5200 W. 73rd Street Edina, MN 55439 Part 2A of Form ADV: Firm Brochure Accredited Investors Inc. 5200 W. 73rd Street Edina, MN 55439 Telephone: 952-841-2222 Email: Ross@Accredited.com Web Address: www.accreditedinvestors.com 02/23/2015 This

More information

United Wealth Management, LLC

United Wealth Management, LLC United Wealth Management, LLC 818 Village Road Charlottesville, Virginia 22903 Telephone: 434-923-8112 Facsimile: 434-923-8111 Website: www.unitedwealthmanagement.com April 14, 2015 FORM ADV PART 2A BROCHURE

More information

August 25, 2014 FORM ADV PART 2A BROCHURE

August 25, 2014 FORM ADV PART 2A BROCHURE Sparrow Wealth Management 10080 West Alta Drive, Suite 125 Las Vegas, NV 89145 Phone: 877-330-9191 Fax: 877-330-9191 Web Site: www.sparrowwealth.com August 25, 2014 FORM ADV PART 2A BROCHURE This brochure

More information

Atlas Capital Group, LLC. Form ADV Part 2A Appendix 1: Wrap Fee Program Brochure. W3561 County Road O Appleton, WI 54913. Telephone: 920-659-1202

Atlas Capital Group, LLC. Form ADV Part 2A Appendix 1: Wrap Fee Program Brochure. W3561 County Road O Appleton, WI 54913. Telephone: 920-659-1202 Atlas Capital Group, LLC Form ADV Part 2A Appendix 1: Wrap Fee Program Brochure W3561 County Road O Appleton, WI 54913 Telephone: 920-659-1202 This wrap fee brochure provides information about the qualifications

More information

Summit FInancial Wealth Advisors, LLC

Summit FInancial Wealth Advisors, LLC Summit FInancial Wealth Advisors, LLC 326 Heymann Blvd. Lafayette, LA 70503 Telephone: 337-232-1141 Facsimile: 337-232-1137 February 13, 2015 FORM ADV PART 2A BROCHURE This brochure provides information

More information

Clients of Asset Planning Corporation

Clients of Asset Planning Corporation DATE: October 2014 TO: FROM: Clients of Asset Planning Corporation Paul K. Fain, III, CFP, President Asset Planning Corporation (APC) is registered with the Securities and Exchange Commission (SEC) as

More information

March 30, 2015 FORM ADV PART 2A BROCHURE

March 30, 2015 FORM ADV PART 2A BROCHURE Sparrow Wealth Management 10080 West Alta Drive, Suite 125 Las Vegas, NV 89145 Phone: 877-330-9191 Fax: 877-330-9191 Web Site: www.sparrowwealth.com March 30, 2015 FORM ADV PART 2A BROCHURE This brochure

More information

Harmonic Investment Advisors

Harmonic Investment Advisors Item 1 Cover Page Harmonic Investment Advisors 1020 W. Main Ave Ste 480 Boise, ID 83702 P: 208-947-3345 F: 208-947-9039 Website: Harmonicadvisors.com This brochure provides information about the qualifications

More information

Rockhaven Capital Management, LLC 132 Rock Haven Lane Pittsburgh, PA 15228 412-260- 7917 www.rockhavencapital.com 09/30/12

Rockhaven Capital Management, LLC 132 Rock Haven Lane Pittsburgh, PA 15228 412-260- 7917 www.rockhavencapital.com 09/30/12 Item 1 Cover Page Rockhaven Capital Management, LLC 132 Rock Haven Lane Pittsburgh, PA 15228 412-260- 7917 www.rockhavencapital.com 09/30/12 This Brochure provides information about the qualifications

More information

Keefer Pension Consulting, Inc. Form ADV Part 2A Disclosure Brochure

Keefer Pension Consulting, Inc. Form ADV Part 2A Disclosure Brochure Form ADV Part 2A Disclosure Brochure Effective: March 31, 2011 This Disclosure Brochure provides information about the qualifications and business practices of Keefer Pension Consulting, Inc. ( Keefer

More information

FORM ADV PART 2 Brochure

FORM ADV PART 2 Brochure FORM ADV PART 2 Brochure Guardian Wealth Management, Inc. 311 SW Water Street Suite 210 Peoria, IL 61602 309/692 1460 Email: info@gwmanagers.com Website: www.gwmanagers.com March 31, 2015 This brochure

More information

Sequoia Wealth Wrap Program

Sequoia Wealth Wrap Program Form ADV Part 2A Appendix 1 Wrap Fee Program Brochure Item 1: Cover Page April 2015 Sequoia Wealth Wrap Program Regency Wealth Management 201 South Riverheath Way Evergreen Building Suite 1400 Appleton,

More information

Pefin Advisors, LLC. 39 West 32 nd Street, New York, NY 10001 Telephone # (917) 261-2416 Fax# (917) 210-3959. www.pefin.com.

Pefin Advisors, LLC. 39 West 32 nd Street, New York, NY 10001 Telephone # (917) 261-2416 Fax# (917) 210-3959. www.pefin.com. FORM ADV Uniform Application for Investment Advisor Registration Part 2A: Investment Advisor Brochure and Brochure Supplements Item 1: Cover Page Pefin Advisors, LLC 39 West 32 nd Street, New York, NY

More information

Thoroughbred Financial Services, LLC Investment Advisory Brochure

Thoroughbred Financial Services, LLC Investment Advisory Brochure Thoroughbred Financial Services, LLC Investment Advisory Brochure This brochure provides information about the qualifications and business practices of Thoroughbred Financial Services, LLC. If you have

More information

Unison Advisors LLC. The date of this brochure is March 29, 2012.

Unison Advisors LLC. The date of this brochure is March 29, 2012. Unison Advisors LLC 2032 Belmont Road NW, #619 Washington, DC 20009 T 646 290 7697 F 646 290 5477 www.unisonadvisors.com The date of this brochure is March 29, 2012. This brochure provides information

More information

Item 1 Cover Page. March 24, 2015

Item 1 Cover Page. March 24, 2015 Item 1 Cover Page Triangle Securities Wealth Management 1301 Annapolis Drive Raleigh, NC 27608 Toll Free 877-678-5901 Local 919-838-3221 Fax 919-838-9081 http://trianglesecurities.com March 24, 2015 This

More information

Part 2A of Form ADV: Firm Brochure. April 18, 2016

Part 2A of Form ADV: Firm Brochure. April 18, 2016 Part 2A of Form ADV: Firm Brochure Item 1 Cover Page April 18, 2016 This is the Firm Brochure, also known as Form ADV Part 2, for Naylor & Company Investments, LLC (Naylor & Company), which is owned and

More information

Item 2 Material Changes

Item 2 Material Changes Item 1 Cover Page LBMC Investment Advisors, LLC Registered Investment Advisor 5250 Virginia Way Brentwood, Tennessee 37027 (615) 377-4603 www.lbmcinvestmentadvisors.com August 21, 2015 This Brochure provides

More information

What is an Investment Adviser?

What is an Investment Adviser? What is an Investment Adviser? Legal Definition. Investment adviser is a legal term that appears in the Investment Advisers Act of 1940, the federal law that governs investment advisers. Generally, this

More information

Mutual of Omaha Investor Services, Inc. Mutual of Omaha Plaza Omaha, Nebraska [ ] March 31, 2011

Mutual of Omaha Investor Services, Inc. Mutual of Omaha Plaza Omaha, Nebraska [ ]  March 31, 2011 Item 1 Cover Page Mutual of Omaha Investor Services, Inc. Mutual of Omaha Plaza Omaha, Nebraska 68175 1020 [402 351 5770] www.mutualofomaha.com/mois March 31, 2011 This Brochure provides information about

More information

Part 2A of Form ADV: Firm Brochure

Part 2A of Form ADV: Firm Brochure Direct Clients Part 2A of Form ADV: Firm Brochure Wellesley Investment Advisors, Inc. 20 William Street Wellesley, MA 02481 781-416-4000 www.wellesleyinvestment.com March 31, 2015 This brochure provides

More information

FIRM BROCHURE DATED: FEBRUARY 11, 2015 POSITIVE RETIREMENT OUTCOMES, LLC 116 MAIN STREET, SUITE 200 MEDWAY, MA 02053

FIRM BROCHURE DATED: FEBRUARY 11, 2015 POSITIVE RETIREMENT OUTCOMES, LLC 116 MAIN STREET, SUITE 200 MEDWAY, MA 02053 Item 1 Cover page FIRM BROCHURE DATED: FEBRUARY 11, 2015 POSITIVE RETIREMENT OUTCOMES, LLC 116 MAIN STREET, SUITE 200 MEDWAY, MA 02053 WWW.POSITIVERETIREMENTOUTCOMES.COM Contact: Brian D. Dillon, President

More information

IMPORTANT QUESTIONS YOU SHOULD ASK ABOUT

IMPORTANT QUESTIONS YOU SHOULD ASK ABOUT IMPORTANT QUESTIONS YOU SHOULD ASK ABOUT JAMES KIRBY ACCOUNTANCY CORPORATION JAMES KIRBY ACCOUNTANCY CORPORATION Registered Investment advisor 2601 Saturn Street, Suite 106 Brea, CA 92821 6702 (714) 203

More information

Baldwin Financial Advisors, LLC

Baldwin Financial Advisors, LLC Baldwin Financial Advisors, LLC 301 South Burton Place Arlington Heights, IL 60005 Telephone: (847) 253-3185 Facsimile: (847) 253-6035 www.baldwinfinancialadvisors.com March 4, 2015 FORM ADV PART 2A DISCLOSURE

More information

Assured Retirement Financial Group, Inc.

Assured Retirement Financial Group, Inc. DISCLOSURE BROCHURE Assured Retirement Financial Group, Inc. Office Address: 7760 France Ave S. Suite 1100 Bloomington, MN 55435 Tel: 612-840-2229 Vince.o@assuredretirementgroup.com www.assuredretirementgoup.com

More information

Item 2 Material Changes

Item 2 Material Changes Item 1 Cover Page Prutzman Wealth Management, LLC dba Prutzman Wealth Management 201 W. Liberty Street, Suite 207 Reno, NV 89501 (800) 865-4202 www.prutzmanwm.com 8/31/2015 This Brochure provides information

More information

Client Brochure (ADV Part 2A) March 29, 2011

Client Brochure (ADV Part 2A) March 29, 2011 Academy Asset Management LLC 123 South Broad Street, Suite 1630 Philadelphia, PA 19109 Phone: (215) 979-3750 Fax: (215) 979-3759 management@academyasset.com www.academyasset.com/about-academy.php Client

More information

Firm Brochure (Form ADV Part 2A) 12610 N. Community Road, Suite 204 Charlotte, NC 28277 704-540-2500. www.independentadvisoralliance.

Firm Brochure (Form ADV Part 2A) 12610 N. Community Road, Suite 204 Charlotte, NC 28277 704-540-2500. www.independentadvisoralliance. Firm Brochure (Form ADV Part 2A) 12610 N. Community Road, Suite 204 Charlotte, NC 28277 704-540-2500 www.independentadvisoralliance.com October 21, 2015 This brochure provides information about the qualifications

More information

Clients First Wealth Management, LLC Firm Brochure - Form ADV Part 2A

Clients First Wealth Management, LLC Firm Brochure - Form ADV Part 2A Clients First Wealth Management, LLC Firm Brochure - Form ADV Part 2A This brochure provides information about the qualifications and business practices of Clients First Wealth Management, LLC. If you

More information

i-cthru Inc. Form ADV Part 2A Client Brochure

i-cthru Inc. Form ADV Part 2A Client Brochure i-cthru Inc. Tamarind Hill Road 33 Upper Prince s Quarter Saint Maarten, Dutch Caribbean Mailing address 1562 First Ave # 205-2863 New York, NY 10028-4004 USA http://www.i-cthru.com Form ADV Part 2A Client

More information

Financial Solutions LLC

Financial Solutions LLC Financial Solutions LLC Form ADV Part 2A February, 2014 4946 Donegal Cliffs Drive Dublin, Ohio 43017 614 604 3551 www.financialsols.com This brochure provides information about the qualifications and business

More information

Affordable Life Plans, LLC

Affordable Life Plans, LLC Affordable Life Plans, LLC Firm Brochure - Form ADV Part 2A This brochure provides information about the qualifications and business practices of Affordable Life Plans, LLC. If you have any questions about

More information

International Research & Asset Management

International Research & Asset Management International Research & Asset Management 2301 Cedar Springs, Ste. 150 Dallas, TX 75201 214-754-0770 www.intlresearch.com Form ADV Part II A January 1, 2011 This Brochure provides information about the

More information

Clarus Financial Planning, Inc. A State of Illinois Registered Investment Advisor

Clarus Financial Planning, Inc. A State of Illinois Registered Investment Advisor Form ADV Part 2A February 17, 2015 Clarus Financial Planning, Inc. A State of Illinois Registered Investment Advisor 312 W. State Street, Suite 106 Geneva, IL 60134 Phone: 630-492-1244 www.clarusplans.com

More information

Personal Capital Advisors Corporation

Personal Capital Advisors Corporation Form ADV Part 2A Appendix 1 Personal Capital Advisors Wrap Fee Program Brochure Personal Capital Advisors Corporation 500 Howard Street, Suite 400 San Francisco, CA 94105 855-855- 8005 www.personalcapital.com

More information

LEXINGTON WEALTH MANAGEMENT, INC.

LEXINGTON WEALTH MANAGEMENT, INC. April 7, 2015 LEXINGTON WEALTH MANAGEMENT, INC. a Registered Investment Adviser 12 Waltham Street Lexington, MA 02421 (781)-860-7745 www.lexingtonwealth.com This brochure provides information about the

More information

ADVI Advisors, LLC 1050 K Street, NW Suite 340 Washington, DC 20001 Tel 202.509.0761. This brochure was last updated on March 18, 2014

ADVI Advisors, LLC 1050 K Street, NW Suite 340 Washington, DC 20001 Tel 202.509.0761. This brochure was last updated on March 18, 2014 ADVI Advisors, LLC 1050 K Street, NW Suite 340 Washington, DC 20001 Tel 202.509.0761 This brochure was last updated on March 18, 2014 This brochure provides information about the investment advisory qualifications

More information

Bollinger. Capital Management

Bollinger. Capital Management Bollinger, Inc. 1200 Aviation Blvd. Suite 201 Redondo Beach, CA 90278 310-798-8855 www.bollingercapital.com Investment Advisor Brochure (Form ADV Part 2A) Updated December 2015 Item 1 Cover Page This Brochure

More information

JANNEY MONTGOMERY SCOTT LLC

JANNEY MONTGOMERY SCOTT LLC JANNEY MONTGOMERY SCOTT LLC Managed Account (Wrap Fee) Program Disclosure Brochure 1717 Arch Street Philadelphia, PA 19103 Main (215) 665-6000 Toll-free (800) 526-6397 www.janney.com August 17, 2015 This

More information

William R. Verhagen CFP, CPA, CFS, CLU, ChFC, CASL. 357 East Winslow Road Bloomington, IN 47401 812-337-1999. www.ioms.com.

William R. Verhagen CFP, CPA, CFS, CLU, ChFC, CASL. 357 East Winslow Road Bloomington, IN 47401 812-337-1999. www.ioms.com. Item 1 Cover Page William R. Verhagen CFP, CPA, CFS, CLU, ChFC, CASL 357 East Winslow Road Bloomington, IN 47401 812-337-1999 www.ioms.com January 1, 2015 This Brochure provides information about the qualifications

More information

McGowanGroup Asset Management, Inc. 200 Crescent Court, Suite #657 Dallas, TX 75201. Firm Contact: Bobby D. Boyce, Chief Compliance Officer

McGowanGroup Asset Management, Inc. 200 Crescent Court, Suite #657 Dallas, TX 75201. Firm Contact: Bobby D. Boyce, Chief Compliance Officer Item 1: Cover Page for Part 2A Appendix 1 of Form ADV: Wrap Fee Program Brochure March 2013 McGowanGroup Asset Management, Inc. 200 Crescent Court, Suite #657 Dallas, TX 75201 Firm Contact: Bobby D. Boyce,

More information

Brochure (Part 2A for Form ADV)

Brochure (Part 2A for Form ADV) Brochure (Part 2A for Form ADV) NFP Advisor Services, LLC 1250 Capital of Texas Hwy., S. Austin, Texas 78746 512-697-6000 (phone) 512-697-5429 (fax) Dated: September 2, 2014 This brochure provides information

More information