Business Description
We are a fee-based Registered Investment Advisor that creates a customized portfolio and actively manages our client accounts using no-load and load-waived mutual funds in order to achieve optimal results.
General Information Gender:    Male CRD#:    5018440 Firm CRD#:    147575 SEC File#:    801-69328 Name of Custodial Firm:    Charles Schwab & Co., Inc. States Licensed in:    CA Years of Experience in Financial Services:    29 Number of Years with Current Firm:    1 I work with the following types of clients:    Businesses, Individual Investors, Non-Profit Organizations
Services Investment Types:    Mutual Funds
Qualifications & Memberships Certifications, Accreditations & Designations:    Accredited Asset Management Specialist (AAMS®), Certified Fund Specialist (CFS), Accredited Investment Fiduciary® (AIF), Chartered Retirement Plans Specialist (CRPS®) Securities Licenses:    Series 66, Series 7
Firm Information Number of Advisors in Office:    Up to 10 employees
Compliance Registered Investment Advisor:    Yes Investment Advisor Representative:    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:    $50,000 Compensation Methods:    Based on Assets
Prepared By:	Jim Sherwood

Frequently Asked Questions

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

Q.	What services do you offer?

Q.	How many clients do you currently manage?

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.	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 is your approach to 401 K plan rollovers?

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

Q.	How many years of experience do you have?

Q.	What are your fees for this service?

Q.	Why should I roll over my 401K plan to your firm?

Q.	Do you provide a free initial consultation?

---

Q.	Do you have a customer satisfaction or refund policy?
We constantly communicate with clients in order to assure their satisfaction and our Investment Management fee is pro-rated to the day so that you only pay for the services you receive.

Q.	What services do you offer?
We develop a customized portfolio of investments based on the specific needs and objectives of each client. We then select the best no-load and load-waived mutual funds to implement the asset allocation strategy. We then monitor the account, making changes as needed, to produce optimum results for the client.

Q.	How many clients do you currently manage?
Our company has in excess of 23,000 client nationally.

Q.	How are you compensated? How will I pay for your services?
We are a fee-based investment advisor. Our fee is deducted from your account at the end of each quarter.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
As a Registered Investment Advisor, we take discretion over the investments in your account. If changes need to be made, we take action and then let you know what we did and why.

Q.	Do you offer any guaranteed results?
Future results are not guaranteed, however, we believe that in selecting the best mutual fund managers, ones that have a track record of leading their peer group and producing better than market performance, we can increase the odds of future success for our clients.

Q.	How much risk should I be willing to take?
The amount of risk you take upon yourself is up to you and should be based on your objectives, time frame and general tolerance for risk. We believe that if you take on risk in the market, you deserve to be in the best investments possible.

Q.	What services do you provide? What are your specialties?
We develop a customized portfolio of investments based on the specific needs and objectives of each client. We then select the best no-load and load-waived mutual funds to implement the asset allocation strategy. We then monitor the account, making changes as needed, to produce optimum results for the client.

Q.	How do you charge for your services?
Our fee is based on the value of the assets we manage. The fee is deducted quarterly from your account.

Q.	Do you provide a free initial consultation?
Yes. We will review your current investments, and provided you share some information about yourself as an investor, we will develop a customized recommendation regarding your portfolio.

Q.	Why should I choose you as my financial advisor?
We are a fee-based advisor. No commissions and no conflicts of interest. We develop a customized strategy for you and choose the best investments. We then monitor your investments and make changes as needed to produce results consistent with your long-term goals.

Q.	What is your approach to 401 K plan rollovers?
We use Charles Schwab & Co. as our custodian. Once an IRA is established at Schwab, we can assist you in requesting a direct rollover of qualified assets from your current plan.

Q.	How long does the process of rolling over a 401K plan usually take?
Initiating the rollover process is very easy and quick. Depending on the institution that currently controls your 401k funds, the completion of a distribution, including rollovers, can take 2 - 4 weeks.

Q.	How many years of experience do you have?
The Mutual Fund Store was established in 1996.

Q.	What are your fees for this service?
There is no additional charge for assisting with the direct rollover of assets from a qualified plan. We charge an Investment Management fee for the ongoing management of your new Rollover IRA account.

Q.	Why should I roll over my 401K plan to your firm?
We are a fee-based advisor. No commissions and no conflicts of interest. We develop a customized strategy for you and choose the best investments. We then monitor your investments and make changes as needed to produce results consistent with your long-term goals.

Q.	Do you provide a free initial consultation?
Yes. We will review your current investments, and provided you share some information about yourself as an investor, we will develop a customized recommendation regarding your portfolio.