|
|
|
|
|
Business Description |
We are an Investment Consulting firm working primarily with High Net Worth Individuals anywhere in the US or other countries. We sell no products, are totally independent and objective, we work exclusively for each Client.
We focus on helping a Client develop and maintain a long term financial/investment plan (pre-retirement and post-retirement). We review and make recommendations quarterly – regarding the overall portfolio, adjustment of assets, adjustment of managers, etc.
We follow a disciplined management process, helping Clients with education, information, tools and decision-making to:
A.) Determine an appropriate Investment Strategy with effective diversification (i.e. suitable risk, return and preservation of assets);
B.) Select mutual funds or managers for each asset class / type of investment, based on our research and Client choices;
C.) Evaluate performance of the portfolio and each manager quarterly,
D.) Deal creatively with retirement, estate planning, tax issues, etc., working with the Client's accounting and tax specialists.
In short, we do what Clients would do for themselves if they had the time, resources, expertise, experience and contacts to do so. We provide FULL DISCLOSURE: as much information and research as a Client wishes to see/evaluate.
We have no corporate investment philosophy and no obligations to serve the interests of a large corporation and its shareholders. All our advice is customized for each Client.
By helping Clients control portfolio expenses, we normally save Clients more than the fee for our services. Our fee is 1% for the first $1 million and decreases thereafter for larger portfolios. |
|
| |
|
|
General Information |
|
|
|
|
|
|
|
|
| States Willing to do Business in: |
All
|
|
| Years of Experience in Financial Services: |
40
|
|
| Number of Years with Current Firm: |
14
|
|
| Work Experience: |
3 Years 1st Lieutenant, US Army
22 years with Citicorp, in commercial banking, investment banking and corporate advisory.
10 years as a Financial Advisor to corporations worldwide, advising on strategic and financial planning.
14 years in current firm, providing investment consulting advice to High Net Worth individuals and to foundations.
|
|
| I work with the following types of clients: |
Non-Profit Organizations, Businesses, Individual Investors
|
|
| Foreign Languages Serviced: |
Spanish (fluent)
|
|
| |
|
Education |
| Academic Background |
| |
Harvard College (1966). Cum Laude in Economics
Cornell University, Johnson School of Business
Executive Development Program (1975) |
|
| |
|
Services |
| Investment Types: |
International Investments, Mutual Funds, Commodities, Alternative Investments, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)
|
|
| |
|
Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
Registered Investment Advisor
|
|
| Securities Licenses: |
Series 65
|
|
| Financial Organization Memberships: |
fi360
|
|
| Non-Financial Organization Memberships: |
Rotary Club of Coral Gables
Harvard Club of Miami
Harvard Club of New York
|
|
| |
|
Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
|
|
| |
|
Compliance |
| Registered Investment Advisor: |
Yes
|
|
| Investment Advisor Representative: |
Yes
|
|
| I am an acknowledged fiduciary: |
Yes
|
|
| Compliance Disclosures in Last 5 years: |
I have a clean record
|
|
| Criminal Disclosures in Last 5 years: |
I have a clean record
|
|
| |
|
Compensation & Fees |
| I am a fee-only financial professional: |
Yes
|
|
| I am a fee-based financial professional: |
Yes
|
|
| Minimum Portfolio Size for New Managed Accounts: |
$500,000
|
|
| Compensation Methods: |
Based on Assets
|
|
| Fee % Based on Assets: |
1% or less
|
|
| Additional Details on Charges: |
We charge an annual Consulting Fee based on Assets beginning at 1% for U.S. clients and then decreasing as assets increase.
|
|
| |
|
| |
| |
| Prepared By: |
Hadley Williams |
Frequently Asked Questions |
 |
| Q. |
Will you be the only person working with me? |
|
| Q. |
How are you compensated? How will I pay for your services? |
| |
A fee on assets we are advising on. |
|
| Q. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
|
| Q. |
Do you offer any guaranteed results? |
|
| Q. |
How much risk should I be willing to take? |
| |
We help you decide, with education and various tools to help you reach a decision . . . and the level of risk can be adjusted at any time. Many factors enter into determining an appropriate level of risk and often a family's wealth is divided into different investment portfolios, each with its own objectives and therefore each has its own risk profile. |
|
| Q. |
Have you ever been charged with any breaches? |
|
| Q. |
What financial institution(s) do you represent? |
|
| Q. |
How do you charge for your services? |
| |
1% or less on assets, charged quarterly. |
|
| Q. |
Do you provide a free initial consultation? |
|
| Q. |
Why should I choose you as my financial advisor? |
| |
Each Client's interests are our only interests. No conflicts of interest. Full disclosure. Detailed recommendations quarterly. Completely customized advice for each Client. |
|
|
|
