
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.