Business Description
As the Chief Investment Officer of Machtig & Associates and as a CFA Level 3 Candidate, I work diligently to keep my clients empowered and informed. Working together with your CPA, attorney, and a team of advisors at my firm, we find the best options available to you which will incorporate your comfort level of risk and your tax situation. We use a thorough, comprehensive approach to financial planning. It suits conservative and moderate investors who want to live well and preserve wealth through careful private asset management and estate, tax, and insurance consulting. The system is based upon improving cashflow and then investing in long-term assets that also have excellent cashflow, good earnings potential and a higher degree of relative safety. The assets are selected for non-correlation. During high-risk periods in the markets, exposure is reduced to help preserve assets. All told, clients could have more to invest and, theoretically, a better chance of meeting their performance expectations on their investments. Together, we will provide you with the necessary tools each step of the way on your path to financial independence.
General Information Gender:    Male CRD#:    4697676 Name of Broker/Dealer:    Investors Capital Advisory Name of Custodial Firm:    Pershing States Licensed in:    AL, CA, CO, CT, FL, GA, IA, ID, IL, KS, LA, MA, MD, MI, MN, MO, NJ, NM, NY, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI Years of Experience in Financial Services:    7 Number of Years with Current Firm:    1 I work with the following types of clients:    Non-Profit Organizations, Individual Investors, Investment Clubs, Businesses
Education Academic Background   BA, Finance - Seattle Pacific University CFA Candidate, Level 3
Services Investment Types:    Mortgages & Real Estate, Bonds, Stocks, Annuities, Insurance, Commodities, Mutual Funds, FOREX & Currency, Options & Futures, Alternative Investments, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)
Qualifications & Memberships Securities Licenses:    Series 7, Series 63, Series 65 Insurance and Annuity Licenses:    Disability, Variable Annuity, Life, Variable Life Financial Organization Memberships:    Paladin Registry
Firm Information Number of Advisors in Office:    Up to 10 employees I work with clients as part of a team:    Yes Advisor's Number of Clients:    150 Advisor's Number of Managed Clients:    150 Assets Managed by Advisor:    $60,000,000
Compliance Registered Investment Advisor:    Yes Registered 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-based financial professional:    Yes Minimum Portfolio Size for New Managed Accounts:    $75,000 Compensation Methods:    Hourly, Flat Fee, Commissions, Based on Assets Fee % Based on Assets:    1.5% Hourly Rate:    $250 Additional Details on Charges:    For accounts over $250,000, the annual fee will begin to be reduced for each additional $250,000 invested in assets under management. Minimum Fee Charged for Flat Fee Accounts:    $500
Prepared By:	Dave Denniston

Frequently Asked Questions

Q.	What are your qualifications? What is your education background?

Q.	What is your approach to financial planning?

Q.	What services do you offer?

Q.	How many clients do you currently manage?

Q.	Will you be the only person working with me?

Q.	How are you compensated? How will I pay for your services?

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?

Q.	Have you ever been charged with any breaches?

Q.	What services do you provide? What are your specialties?

Q.	What is your experience? How many clients do you currently manage?

Q.	What financial institution(s) do you represent?

Q.	How do you charge for your services?

Q.	Do you provide a free initial consultation?

Q.	Why should I choose you as my financial advisor?

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Q.	What are your qualifications? What is your education background?
I have worked in the industry for over 7 years. I work with a team of individuals who have over 110 years of experience in financial planning and accounting.

Q.	What is your approach to financial planning?
We create comprehensive and fully integrated plans by coordinating with a dedicated team of professionals.

Q.	What services do you offer?
We offer investment, small business retirement plans, financial planning, insurance, estate, and accounting services to our clients.

Q.	How many clients do you currently manage?
About 150.

Q.	Will you be the only person working with me?
No, we have a team approach.

Q.	How are you compensated? How will I pay for your services?
It depends on the client situation- we provide three different ways of working with us- commission, hourly/flat fee, or assets under management.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
We make non-discretionary as well as discretionary options available to clients. If a client chooses non-discretionary, I will have to obtain your permission every time I buy or sell a security.

Q.	Do you offer any guaranteed results?
No- we believe that NO investment is guaranteed. However, certain investments do have less risk than others. Additionally, we do offer some products backed by the full faith of insurance companies with the highest safety ratings.

Q.	How much risk should I be willing to take?
It depends on your willingness and ability to take risk. We have our clients and potential clients take a risk tolerance questionnaire that we have developed in-house to assist in assessing your risk tolerance. Additionally, we take your goals and needs into account in determing the appropriate amount of risk.

Q.	Have you ever been charged with any breaches?
No

Q.	What services do you provide? What are your specialties?
We offer investment, small business retirement plans, financial planning, insurance, estate, and accounting services to our clients.

Q.	What is your experience? How many clients do you currently manage?
I have worked in the industry for over 7 years. I work with a team of individuals who have over 110 years of experience in financial planning and accounting.

Q.	What financial institution(s) do you represent?
We are an independent registered investment advisor (RIA) and we do not represent any financial institution. Our broker-dealer is Investors Capital and our clearing firm is Pershing. Although, in being independent, we could change those relationships at any time.

Q.	How do you charge for your services?
It depends on the client situation- we provide three different ways of working with us- commission, hourly/flat fee, or assets under management.

Q.	Do you provide a free initial consultation?
Yes, the initial consultation is simply a chance for us to get to know one another. We are not a good fit for everyone. We are not trying to be all things to all people.

Q.	Why should I choose you as my financial advisor?
We offer independence and objectivity as well as a team-approach to asset management. We are not owned by a bank, a brokerage firm, or an insurance company. Thus, we have no self-produced products that creates conflicts of interest.