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Straight Answers to Your
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| 1. | What sort of investments do you most frequently recommend ? | ||
| I most frequently recommend mutual funds. Mutual funds provide diversification, professional management, liquidity, and have a track record. | |||
| 2. | I like to frequently trade stocks. Is that the sort of account you work with? | ||
| Although I am licensed to buy and sell stocks for you, my practice does not include providing advice on individual stocks. Thus, you may not be happy with me as your advisor. | |||
| 3. | I like frequent calls from my broker. Do you call frequently? | ||
| I call annually to set up portfolio reviews, but otherwise, infrequently. I feel my time is best spent responding to client initiated calls where there is a specific planning issue or other concern. | |||
| 4. | Can the account hold individual stocks? | ||
| Yes. We can easily buy, sell, and hold stocks that you feel comfortable with. | |||
| 5. | Are there ticket charges when you buy or sell mutual funds? | ||
| As part of my professional services I pay all the ticket charges for the initial investment and annual rebalancing. | |||
| 6. | Does SII handle any proprietary mutual funds? | ||
| SII handles no proprietary funds. This allows us to have your best interest always in mind. | |||
| 7. | What funds do you handle? | ||
| Almost every independent brand of mutual funds available in the United States including American, Vanguard, Fidelity Advisor, T. Rowe Price, Oppenheimer, and others. | |||
| 8. | If you recommend a load fund (a fund with a sales charge), do you charge both a sales charge and a fee? | ||
| You never pay a sales charge in a fee-based account. Load funds are sold on a load-waived basis. | |||
| 9. | How frequently do you get together with clients? | ||
| I recommend annual meetings were we review the performance of your portfolio and rebalance it. However, I am happy to meet with clients anytime there is an issue or concern. | |||
| 10. | If I have a question or concern am I free to call you? | ||
| Yes. I welcome your calls. | |||
| 11. | Is this sort of account suitable for qualified plans? | ||
| Yes. In fact, rollover IRAs are the most popular account. You can rollover most qualified plans to a rollover IRA. We can also set up Profit Sharing Plans, Roth IRAs, SEPs, SIMPLE IRAs , and others. | |||
| 12. | Are there additional annual fees for qualified plans? | ||
| Yes. Rollover IRAs are $35/year. Most other plans are $50/year. | |||
| 13. | Do I have to write a check for your fee? | ||
| No check need be written. It is deducted automatically from your account. | |||
| 14. | Can you help me with financial planning issues other than portfolio management? | ||
| Yes. I like to help my clients in all areas of financial planning. | |||
Securities and Advisory Services
Offered Through
SII Investments, Inc.
Member NASD/SIPC and a
Registered Investment Advisor