Business Description
Based on a CPA firm background and 25 years of making investment and financial planning recommendations I specialized in a "participate yet protect" philosophy. I seek investments that offer long term excess returns (Alpha) vs. risk (Beta) with stable management. I seek low investor costs in a diversified portfolio based on your needs and risk profile. With just the facts not a sales pitch I educate clients on the pros and cons of various investment alternatives and actively monitor results. I update you on changing market conditions and suggest adjustments as the investment outlook changes. Portfolios are not static but should be dynamic ? changing with market conditions. As a financial advisor, I give you the facts as an Registered Investment Advisor to help you make important investment decisions based on my analytical CPA firm background not impressive salesmanship. I provide easy to understand tracking, charting and performance reporting per investment compared to indexes to monitor performance.
General Information Gender:    Male CRD#:    732974 Firm CRD#:    116090 SEC File#:    N/A Arizona Registered SEC not required Insurance License#:    699225 Name of Broker/Dealer:    Multi-Financial Securities Corp., Member FINRA/SIPC Name of Custodial Firm:    Pershing LLC States Licensed in:    AZ, CA, CO, IL, IN, MO, NJ, NY, TX, VA States Willing to do Business in:    Most Years of Experience in Financial Services:    25+ Number of Years with Current Firm:    25 Work Experience:    Dave Hutchison was in the tax department of Touche Ross and then McGladrey Henderickson & Co., CPAs - both in Minneapolis - prior to founding his own accounting firm in 1975. Before selling the practice in 1989, he found a huge need for independent financial planning and advice on investments and insurance alternatives based on side-by-side analytical comparisons rather than sales hype. For the last 25 years, Dave has specialized in helping clients save, accumulate, invest and help protect their assets. Since founding Hutchison Investment Advisors, in 1988 and previously a sole proprietor Registered Investment Advisor in 1981, Dave Hutchison, CFP has been dedicated to a "Participate yet Protect" approach helping to reduce downside risk as much as possible in diversified investment portfolios we recommend for our advisory clients. Securities offered through Multi-Financial Securities Corporation. Member FINRA/SIPC Hutchison Investment Advisors is not affiliated with Multi-Financial Securities Corporation I work with the following types of clients:    Individual Investors, Non-Profit Organizations, Businesses
Education Academic Background   BS, Accounting - University of Minnesota
Services Investment Types:    Annuities, Insurance, Mutual Funds, Alternative Investments, Exchange Traded Funds (ETFs), Bonds, Stocks, Real Estate, Socially Responsible Investments (SRI)
Qualifications & Memberships Certifications, Accreditations & Designations:    CERTIFIED FINANCIAL PLANNER™ Certificant, Insurance License (Life & Health; Long Term Care; Specify below) Securities Licenses:    Series 66, Series 65, Series 24, Series 7, Series 6 Insurance and Annuity Licenses:    Life, Annuity, Variable Life, Long Term Care, Variable Annuity Financial Organization Memberships:    Paladin Registry, Financial Planning Association (FPA)
Firm Information Number of Advisors in Office:    Up to 10 employees I work with clients as part of a team:    Yes
Compliance Registered Investment Advisor:    Yes Registered Representative:    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-based financial professional:    Yes Minimum Portfolio Size for New Managed Accounts:    0 Compensation Methods:    Flat Fee, Hourly, Commissions Hourly Rate:    150 Flat Fee Rate:    $500 Additional Details on Charges:    We do not offer typical asset management accounts which typically charge asset management or wrap fees. Such fees in my view are the most expensive way to get investment advice. We don't have expensive offices and art work, instead we charge reasonable fees for independent professional advice. A typical advisory fee to provide an extensive evaluation of your current portfolio including risk/reward assessment compared to our benchmarks and our recommendations is only $500. No cost introduction session to discuss your needs and how we might address your objectives.
Prepared By:	Dave Hutchison CFP®

Frequently Asked Questions

Q.	Do you have a customer satisfaction or refund policy?

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?

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

Q.	What are your qualifications?

Q.	What is your approach to 401 K plan rollovers?

Q.	How long does the process of rolling over a 401K plan usually take?

Q.	What financial institutions do you represent?

Q.	How many years of experience do you have?

Q.	What are your fees for this service?

Q.	Do you provide a free initial consultation?

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Q.	Do you have a customer satisfaction or refund policy?
Yes - if you don't think the service was worth the fee, you don't pay. Never has happened in over 25 yrs.

Q.	What are your qualifications? What is your education background?
CPA firm background, degree in Accounting, Over 25years of looking out for the investor based on facts not a sales pitch, independent from any product sponsor. Owned a broker-dealer with about 100 reps in six states but sold to be more hands on with clients.

Q.	What is your approach to financial planning?
How to meet your financial goals, plan for retirement, participate yet protect investment strategies.

Q.	What services do you offer?
Personalized Financial Planning and/or Investment recommendations from our own independent Registered Investment Advisory firm, Hutchison Investment Advisor's, Inc.

Q.	Will you be the only person working with me?
Yes although have associates in specialty areas can bring in for example related to Medicare Plans, Long-Term Care etc using the same comparison approach to find the best solution for a client's needs.

Q.	How are you compensated? How will I pay for your services?
Instead of ongoing advisory fees which is the most expensive way to get investment advice we charge a one-time for life $500 Advisory fee and can implement using lowest cost A shares which is far better for the client than ongoing advisory fees.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
Yes, we do not take discretionary accounts. You always approve whatever we do on your behalf.

Q.	Do you offer any guaranteed results?
No one can guarantee any future investment results that would be fraud. We look at past performance of managers with long term proven track records and positive Alpha's (excess return for the risk taken). Past performance never guarantees future results but it is better than long term poor performance in selecting a diversified portfolio to meet your investment objectives.

Q.	How much risk should I be willing to take?
Depends on your financial goals. Most folks need some long-term growth which always has short-term risks. We utilize a "participate yet protect" strategy based on your goals and comfort levels with different strategies.

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

Q.	What services do you provide? What are your specialties?
Investment advice based on 25 years of side by side comparisons coming from an analytical CPA firm background not sales hype.

Q.	What financial institution(s) do you represent?
Securities through Multi-Financial Securities Corporation, Member FINRA/SIPC. The Registered Investment Advisor, Hutchison Investment Advisors is not affiliated with Multi-Financial Securities Corporation

Q.	How do you charge for your services?
Flat advisory fee of $500. If you choose to implement we act as a broker and use lowest cost A shares with appropriate break-points, which is the best option for clients.

Q.	Do you provide a free initial consultation?
Yes as well as extensive review of current investments comparing to our benchmarks with data supplied by Morningstar, respected independent firm.

Q.	Why should I choose you as my financial advisor?
Because we have 25+ years experience from a CPA firm background to give you the facts not a sales pitch, investment advice, follow up and monitoring.

Q.	What are your qualifications?
Extensive CPA firm background, own accounting firm specializing in tax for many years, and now 25+ years as a CFP, and independent Registered Investment Advisor.

Q.	What is your approach to 401 K plan rollovers?
Same as with personal accounts, set up in self directed IRA's with investment recommendations chosen from our "benchmarks" to best meet your financial objectives and risk tolerance.

Q.	How long does the process of rolling over a 401K plan usually take?
Depends on how fast the employer makes direct distribution to IRA. We can set up IRA on line with immediate account opening.

Q.	What financial institutions do you represent?
The Registered Investment Advisor is independent of any particular sponsor or institution.

Q.	How many years of experience do you have?
25+ in Financial Planning and investments, CPA firm background before that. Decided I enjoyed helping folks plan for the future rather than recording the past as a tax accountant with major CPA firms and own accounting firm, originally in Minneapolis.

Q.	What are your fees for this service?
Flat advisory fee of $500. If you choose to implement we act as a broker and use lowest cost A shares with appropriate break-points, which is the best option for clients.

Q.	Do you provide a free initial consultation?
Yes as well as extensive review of current investments comparing to our benchmarks with data supplied by Morningstar, respected independent firm.