Please call for a consultation to determine which fee method would be best for you .

Fee For Service

No Sales or specific product recommendations provided. Portfolio critic looks at asset allocation and suitability of investment to risk tolerance.

Fee Based

A fee based on a percentage of assets managed will be negotiated when using Managed Programs, F Class Funds and iUnits.

Product recommendation and sales are required. Fees can be paid from investments or from personal funds in advance.

Commission

Insurance:

Life Insurance commissions are set by individual Insurance companies and are not negotiable nor can these commissions be rebated or discounted to the client.

Mutual Funds:

Front Load

The negotiated commission is deducted from the investment purchase by the fund company, remitted to the Mutual Fund Dealer and paid to the Representative. This commission ranges from 0 - 5%.

Deferred load

Funds that are purchased under the Deferred Load option require no deduction from your investment at the time of purchase.  The Mutual Fund company pays these fees, part of which will be paid to the representative.  If the funds are redeemed within a specified period of time, the Mutual Fuind company may charge a redemption fee.  A redemption fee schedule is found in the fund's prospectus.

No-Load

Using F Class shares used by most major mutual fund companies the client compensates directly for the services offered.

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