Investment services

We provide investment services to healthcare practitioners through both advisory and brokerage arrangements. The type of relationship you establish with us will determine the services you receive, the standard of care that applies, and how you pay for those services. It is important to understand these distinctions before deciding which type of account, or combination of accounts, is most appropriate for you.

Investment Advisory Services

Under our investment advisory program, we offer a goals-based approach designed to help align your investment strategy with your stated financial objectives.

• Investment Approach: Advisory accounts primarily use exchange-traded fund (ETF) model portfolios, managed in accordance with the selected investment strategy.
• Discretionary or Non-Discretionary: Services may be provided on either a discretionary basis (we make investment decisions on your behalf) or non-discretionary basis (we provide advice and you make the final decision), depending on the terms of your agreement.
• Fees: Advisory services are generally subject to an ongoing asset-based fee, calculated as a percentage of assets under management, as described in the applicable program brochure and client agreement.
• Fiduciary Duty: As an investment adviser, we are fiduciaries under the Investment Advisers Act of 1940. This means we are obligated to act in your best interest at all times when providing advisory services.

Brokerage Services

Through a brokerage account, we provide services that allow you to buy and sell securities at your direction.

• Execution of Trades: We execute transactions in securities based on your instructions.
• Recommendations: We may make investment recommendations, but we do not provide ongoing portfolio management or account monitoring. You are responsible for all investment decisions in your brokerage account.
• Additional Resources: We may provide access to investment research, educational materials, and financial tools at no additional cost.
• Fees: Brokerage services are generally compensated through transaction-based fees, commissions, or other charges, as outlined in your brokerage agreement.
• Standard of Care: When we make a recommendation in a brokerage account, we are required to have a reasonable basis to believe it is in your best interest at the time of the recommendation. However, brokerage services are not provided on a fiduciary basis.

ADVISORY VS. BROKERAGE SERVICES

When considering whether to open an advisory account, a brokerage account, or both, it is important to understand the following key differences:

1. Standard of Care
• Advisory Account: We act as a fiduciary and must always act in your best interest.
• Brokerage Account: We must have a reasonable basis to believe recommendations are in your best interest at the time, but we do not act as a fiduciary.
2. Services Provided
• Advisory Account: Ongoing investment advice, monitoring, and portfolio management tailored to your objectives.
• Brokerage Account: Transaction execution at your direction; recommendations and educational resources may be provided, but no ongoing monitoring.
3. Compensation and Fees
• Advisory Account: Ongoing asset-based fee, typically a percentage of assets under management.
• Brokerage Account: Transaction-based fees, commissions, or other charges apply when you buy or sell securities.
4. Account Monitoring
• Advisory Account: Continuous monitoring of your account is part of our services.
• Brokerage Account: No ongoing monitoring; activity occurs only when you initiate a trade or request a recommendation.
5. Conflicts of Interest

Both account types may involve conflicts of interest. These are disclosed in our Form ADV (for advisory accounts), Form CRS, and your brokerage account diclosures & agreements.

BRINGING THE FUTURE INTO THE PRESENT

From retirement planning, investment strategies, tax optimization, to estate planning, we offer personalized solutions tailored to your unique circumstances.

We specialize in personalized retirement solutions for small & mid-sized businesses, the self-employed, and individual investors in healthcare.

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