Business Description
Brett is a national best-selling author with over 24 years of experience in financial planning and fee-based asset management and is a current member of the Investors Capital Advisory Services Investment Policy Committee. His clients consist of retired individuals, key Fortune 500 executives, and hard-working families. In your first meeting with Brett, he will complete a financial interview to better understand your situation. Brett then creates a plan that takes into consideration your income, spending, debt and savings. He also reviews your current investments and makes recommendations based upon your objectives. Then, he puts together a written plan on how to get from where you are to where you want to go.
General Information Gender:    Male CRD#:    1420080 Firm CRD#:    30613 Name of Broker/Dealer:    Investors Capital Name of Custodial Firm:    Pershing LLC States Licensed in:    FL, MN, WA, GA Years of Experience in Financial Services:    25 Number of Years with Current Firm:    6 I work with the following types of clients:    Individual Investors, Investment Clubs, Businesses, Non-Profit Organizations
Services Investment Types:    Exchange Traded Funds (ETFs), Mortgages & Real Estate, Alternative Investments, Options & Futures, FOREX & Currency, Mutual Funds, Commodities, Insurance, Annuities, Stocks, Bonds, Socially Responsible Investments (SRI)
Qualifications & Memberships Securities Licenses:    Series 63, Series 7, Series 24, Series 65 Insurance and Annuity Licenses:    Variable Annuity, Life, Annuity, Health, Disability, Variable Life, Long Term Care
Firm Information Number of Advisors in Office:    10 - 99 employees I work with clients as part of a team:    Yes Firm's Number of Clients:    300 Firm's Number of Planning Clients:    250 Firm's Number of Managed Clients:    250 Assets Managed by Firm:    $60,000,000 Advisor's Number of Clients:    150 Advisor's Number of Managed Clients:    150 Advisor's Number of Planning Clients:    150 Assets Managed by Advisor:    $4,0000,000
Compliance Registered Investment Advisor:    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:    $100,000 Compensation Methods:    Hourly, Based on Assets, Flat Fee, Commissions Fee % Based on Assets:    1.5 Hourly Rate:    $250 Flat Fee Rate:    $1000 Additional Details on Charges:    Our fee for assets under management schedule starts a 1.5%, but declines as the total assets increase. We do NOT charge on assets that are not part of your portfolio with us, although we frequently give advice on outside assets. Minimum Fee Charged for Hourly Planning Accounts:    $500 Minimum Fee Charged for Flat Fee Accounts:    $1000
Prepared By:	Brett Machtig

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.	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 20 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.	What services do you provide? What are your specialties?
I have worked in the industry for over 20 years. I work with a team of individuals who have over 110 years of experience in financial planning and accounting.

Q.	What is your experience? How many clients do you currently manage?
I have worked in the industry for over 20 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.