Bozidar is quantitative oriented advisor and portfolio manager. He is PhD, a CFA® charterholder and has Certificate in Quantitative Finance. His long career includes hedge fund strategies, long only strategies, portfolio and risk research and managing multi asset portfolios for individuals, families, as well as institutional investors. In his last corporate role he was a Chief Portfolio Strategist of a private bank responsible for 3 Bln USD in invested assets.
His focus is on providing financial advice that has clients best interest at the center. We build resilient portfolios with the goal of minimizing the market downturns.
Our services are for you if you are serious about securing your and your family's future and want someone to help you with your best interest in mind. We will never serve interests of mega banks, funds, insurance companies, activists or global scoundrels like World Economic Forum. Our approach is not "sales strategies", we engage in collaborative and educational work. Which means we are going to work with you to fully understand the reasoning for every one of our proposals before anything is implemented. On the other hand if you have goals that are not consistent with prudent investment such as virtue signaling, ESG, get rich quick, ponzi schemes, fads, meme stocks, crypto, we are not for you. We cannot reconcile our fiduciary duty with such activities and would advise you to take business elsewhere.
General Information |
| Firm Start Year: | 2021 | |
| No. of Employees: | 1 | |
| Insurance License#: | 1333953 |
| Name of Custodial Firm: | Charles Schwab and Co. |
| States Licensed in: | NY, FL |
| Number of Years with Current Firm: | 2 |
| Work Experience: |
Highlights: Bloomberg, Stonebrook Structured Products, Brown Brothers Harriman, Front Point Partners, Morgan Stanley, Leumi Investment Services - and finally Honey Badger Advisors |
| Work with the following types of clients: | Foundations , Endowments, Pension Funds, Investment Clubs, Individual Investors, Non-Profit Organizations, Businesses |
| Advisory Services Provided: | Financial Advice & Consulting, Investment Advice & Management, Insurance Products & Annuities, Portfolio Management, Retirement Planning, 401K Rollovers, Wealth Management, Money Management, Risk Management, Education Funding and Planning, Financial Planning for Individuals, Financial Planning for Businesses, Financial Planning |
Services |
| Investment Types: | Alternative Investments, Exchange Traded Funds (ETFs), Insurance, Annuities, Stocks, Bonds, Mutual Funds, Mortgages & Real Estate, Options & Futures |
| Can meet clients in the following ways: | Our Office, Phone, Email, Video Conference |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Long Term Care, Health, Life, Accident, Annuity |
Firm Information |
| Assets Managed by Firm: | $1,300,000 |
| Assets Managed by Advisor: | $1,300,000 |
Compensation and Fees |
| Fee Structure: | Fee-Only |
| Minimum Portfolio Size for New Managed Accounts: | $100,000 |
| Compensation Methods: | Based on Assets, Hourly |
| Fee % Based on Assets: | 1% |
| Hourly Rate: | $250 |
| Additional Details on Charges: |
1% for accounts < $1,000,000 This is a flat fee - meaning once the assets go over the threshold, the entire account is charged the lower fee. It is not graduated. For hourly consultation - billed based on time used. |
Education |
| PhD - Physics | Boston University
- Boston, MA 08/24/1992-01/25/1999 |
Financial Services |
| Financial Planning for Businesses
This is usually in combination with taking care of financial needs of the owner(s). We provide advice on how to bring a retirement plan to the company for the benefit of owners and employees. We also provide advice on disability insurance and on policies backing buy-sell agreements. |
| Financial Planning for Individuals
The first step in comprehensive financial advice is to create a plan. Use various scenarios to test the resilience and then update as the life situation changes. |
| Financial Advice & Consulting
This can be done as part of an ongoing service with managing clients' assets, or as hourly consulting on specific questions. |
| Portfolio Management
I use my institutional level experience to build resilient portfolios that reduce the market volatility and help clients reach their goals. |
| Retirement Planning
Retirement Preparation starts many years before retirement. I focus on growing the portfolio - and shifting it while preparing for retirement, so that we can maximize cash flow for retirees - keeping taxes in mind. |
| 401K Rollovers
Advising on rollover for those who move their jobs or transition to retirement. Rollovers to IRA, conversion to Roth IRA if appropriate. |
| Insurance Planning
We provide insurance - life and long term care, strictly based on the needs of the clients. This is a part of a comprehensive financial plan. We provide term and whole life policies only. |
| Annuities
We can provide annuities if the financial plan calls for guaranteed income stream. |
| Estate Planning & Trusts
I do not provide estate planning - we work with clients chosen attorneys to create most efficient estate plans. We do provide investment management for Trust accounts. We do not act as trustees. |
| Tax Advice and Services
I do not provide tax advice - we work with clients tax advisors to implement tax minimization strategies. |
| Education Funding and Planning
Providing strategies to parents on most optimal ways to save for childrens education |
| Investment Advice & Management
Investments under our care are managed in the best interest of the clients. Using institutional level tools to create resilient portfolios that minimize the downturn. |
| Wealth Management
I take a full picture of clients financial situation and design plans that are in the clients best interest - and serve them in a way that doesn't leave them worrying on a daily basis. |
| Risk Management
Providing advice in terms of risks that a client is not able to take on their own - disability, life, long term care. |
| Money Management
Provide advice on how to manage money - salary, mortgage payment, cash flow. |
FAQs |
Do you have a customer satisfaction or refund policy?In case client decides to discontinue using our services, the fees would be prorated to the moment when the relationship is discontinued. |
Why should I choose you as my financial advisor?Honey Badger Advisors is a fully independent firm, that is focused on fiduciary responsibility. We look for what's best for you - and we don't have a roster of questionable products to sell. We are not beholden to anyone - banks, funds, insurance companies or activist organizations. We employ portfolio construction and management methods that are backed by research and years of experience. Our only motivation is to serve our clients with our expertise. |
What are your qualifications? What is your education background?PhD, Chartered Financial Analyst, Certificate in Quantitative Finance. I have 25 years experience in finance and investment management, working with clients of different sizes and sophistication. From mass affluent to high net worth and institutional. I have seen market turmoil and recessions and have experience guiding clients through good times and bad. |
How do you charge for your services?Percent of AUM fee for continuous management and advice. Hourly fee for those who have specific projects to work on. |
How are you compensated? How will I pay for your services?For continuing advice and management - AUM charge. A fee is a sliding scale from 1% to 0.7% depending on the amount of assets that the firm manages. The fees under this arrangement are deducted from the assets quarterly in advance. For hourly project work - invoice is submitted upon completion. At that point clients can send a check or bank transfer. |
Disclosures |
| WiserAdvisor provides referrals to financial professionals. WiserAdvisor is not a current client of advisor or advisory services. Financial professionals pay cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest. |
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Additional Detailed Disclosures |
Disclaimer |
| Honey Badger Advisors LLC (HBA) is a registered investment adviser located in Rye, New York. HBA may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. HBA's web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of HBA's web site on the Internet should not be construed by any consumer and/or prospective client as HBA's solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by HBA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of HBA, please contact the state securities regulators for those states in which HBA maintains a registration filing. A copy of HBA's current written disclosure statement discussing HBA's business operations, services, and fees is available at the SEC's investment adviser public information website www.adviserinfo.sec.gov or from HBA upon written request. HBA does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to HBA's web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. |
Registered Investment Advisor:
Yes
Investment Advisor Representative:
Yes
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
| Mon. | 9:00 AM - 6:00 PM |
| Tue. | 9:00 AM - 6:00 PM |
| Wed. | 9:00 AM - 6:00 PM |
| Thu. | 9:00 AM - 6:00 PM |
| Fri. | 9:00 AM - 6:00 PM |
| New York, Connecticut, New Jersey, Maryland, Virginia, Tennessee, North Carolina, South Carolina, Georgia, Florida, Texas |
| Check | Bank Transfer |
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