Business Description
Post Investment Management specializes in developing comprehensive financial plans including implementation of investments and strategies tailored to meet your financial and personal goals. We bring together all aspects of your financial life with particular attention to your long-term goals and risk tolerance level and then allocate your assets among various classes of investments. Although risk can never be eliminated without eliminating reward, choosing diverse investments, can reduce the risk of the whole portfolio. Once this optimized allocation is determined, we select individual investments in each class. These also are chosen for their balance of return and risk and are often mutual funds because of the diversity of holdings within the funds. As a registered investment advisor paid by you for advice, we are free to give it with no other influences. Compensation is based on time spent or on a percentage of the assets that we manage for you. We receive no commissions or any other sales related compensation.
General Information Gender:    Male CRD#:    2699571 Firm CRD#:    115587 Insurance License#:    73474 - VT Name of Custodial Firm:    TD Ameritrade States Licensed in:    Vermont + New York States Willing to do Business in:    All Years of Experience in Financial Services:    14 Number of Years with Current Firm:    14 I work with the following types of clients:    Individual Investors, Businesses
Education Academic Background   BA Middlebury College BS University of Vermont
Services Investment Types:    Stocks, Annuities, Mutual Funds, Bonds, Exchange Traded Funds (ETFs)
Qualifications & Memberships Certifications, Accreditations & Designations:    CERTIFIED FINANCIAL PLANNER™ Certificant, NAPFA Registered Financial Advisor Securities Licenses:    Series 6, Series 7, Series 65 Insurance and Annuity Licenses:    Variable Life, Vermont, Variable Annuity, Life Financial Organization Memberships:    Financial Planning Association (FPA), National Association of Personal Financial Advisors (NAPFA)
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 Fee Structure:    I am a fee-only financial professional Minimum Portfolio Size for New Managed Accounts:    $100,000 Compensation Methods:    Hourly, Flat Fee, Based on Assets Fee % Based on Assets:    graduated Hourly Rate:    $135 Additional Details on Charges:    Annual Fee as Percentage of Assets Schedule Portfolio Level Percentage Up to $150,000 1.50% (Min Fee = $1500) Next $850,000 1.00% Next $2,000,000 .85% Next $7,000,000 .75% $10,000,001 and Above .40% Minimum Fee Charged for Managed Accounts:    $1,500/yr
Prepared By:	Peter Post

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.	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 financial institution(s) do you represent?

Q.	How do you charge for your services?

Q.	Do you provide a free initial consultation?

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Q.	What are your qualifications? What is your education background?
Peter W. Post is a CERTIFIED FINANCIAL PLANNER™ certificant, a NAPFA Registered Financial Advisor, and a Registered Investment Advisor. He graduated from Middlebury College with a BA in 1972 and also received a BS from the University Of Vermont. He has been providing financial and investment advice to clients since 1996

Q.	What is your approach to financial planning?
FEE-Only Comprehensive Financial Planning and Investment Management. We work closely with clients to develop a financial goal plan that fits their personal situations.

Q.	What services do you offer?
Hourly and Project based Financial Planning, College Funding Advisory Services, Comprehensive Financial Planning, Investment Management + Consulting, Wealth Management

Q.	Will you be the only person working with me?
Peter Post personally works directly with clients in all planning and investment activities.

Q.	How are you compensated? How will I pay for your services?
We are FEE-ONLY advisors and sell no products. We receive NO COMMISSION or sales related compensation. You pay us for our advice only by an hourly or project fee or by a fee based on a percentage of assets under our supervision.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
In most cases, a client opens accounts at a low-cost discount brokerage, and we receive a limited power of attorney to make discretionary investment decisions and to execute transactions in the client's accounts. These actions are guided by the decisions regarding investment allocation and strategy that have been laid out in the financial plan that the client participated in and approved.

Q.	Do you offer any guaranteed results?
No, it is not possible to guarantee future investment results.

Q.	How much risk should I be willing to take?
Every investor has an individual risk profile which helps guide decisions concerning investment allocation. We use a sophisticated risk tolerance screening process to help you understand the various types of risk.

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

Q.	What services do you provide? What are your specialties?
Hourly and Project based Financial Planning, College Funding Advisory Services, Comprehensive Financial Planning, Investment Management + Consulting, Wealth Management

Q.	What financial institution(s) do you represent?
We are independent advisors and do not represent any brokerage or other financial institution. We help our investment management clients open accounts at an independent discount brokerage, and they grant us a limited power of attorney to manage the accounts. We have no access to client funds.

Q.	How do you charge for your services?
We are FEE-ONLY advisors and sell no products. We receive NO COMMISSION or sales related compensation. You pay us for our advice only by an hourly or project fee or by a fee base on a percentage of assets under our supervision.

Q.	Do you provide a free initial consultation?
Yes, we offer a free introductory meeting for us to get to know each other and to see if our services are a good match for your needs. If we decide to go forward, the introductory meeting sonetimes continues as a working meeting with time billed at our normal rate.