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Investment
Services
Whether
you are a do-it-yourself investor, want a second
opinion on recommendations made elsewhere or require
professional oversight of your investments, Worley
Financial Group, Inc., offers a menu of services to
support the service level you prefer. Our investment
services fall into one of four categories:
►
Investment
advice on an hourly-fee basis
►
Investment
account assistance on an hourly-fee basis
►
Portfolio
management services based upon a percentage of assets
fee
arrangement
►
Assuming
responsibility of servicing your existing
commission-based
investments
These
services are provided as follows:
►
Investment
advice on an hourly-fee basis
Within the context of a general financial planning
engagement, your planner will analyze and advise
regarding your investments. This includes your bank
accounts, personal investments and retirement plans.
Your planner will address the suitability of the
current portfolio’s diversification, evaluate
individual holdings, and if appropriate, make specific
recommendations for change to meet your investment
goals. If you have received a significant sum to
invest (inheritance, company-sponsored retirement plan
rollover, etc.) or need direction on current
investments, your planner will develop a detailed
investment plan for it.
Outside
of comprehensive financial planning engagements, you
can also engage Worley Financial Group, Inc., to
review your investments or an investment proposal in a
limited engagement.
We
use independent, third party sources to research,
develop and support our recommendations. The emphasis
is upon the appropriateness of the type of investment
or the portfolio diversification for your specific
situation. Cost-efficient investing is also a goal.
►
Investment
account assistance on an hourly-fee basis
When
you receive our investment recommendations we can also
provide administrative support in implementing them
where you are electing to direct your own accounts. In
your behalf, trained staff completes the necessary
forms to ensure the investment account is established
correctly and in a time-efficient manner. We can also
assist in resolving account problems with investment
institutions because of our extensive experience in
dealing with “back office” problem-solving.
Because our firm would be not the advisor on the
account, we bill an hourly fee to provide any service
regarding the account.
►
Portfolio
management services based upon a percentage of assets
fee
arrangement
Many
people don’t have the time or interest to administer
and manage their investments, but know ongoing
oversight is important. Worley Financial Group, Inc.,
will professionally manage your portfolio on a
fee-basis. Our staff would establish your account at
Charles Schwab & Co. Institutional or Pershing and
arrange a non-taxable transfer of your existing
investments to the account. We then develop a written
investment policy customized for your situation. The
investment policy is used to facilitate consistency
for the ongoing management of your portfolio.
Following specific professional disciplines, we review
your investments annually and make recommended changes
as needed to meet your objectives. You approve all
portfolio changes prior to implementation.
If
your investments provide current income and regular
withdrawals have been established, we monitor cash
balances to facilitate those distributions. For those
required to take distributions from an IRA or
tax-qualified account, our staff verifies annually
that you are meeting this legal obligation. When you
have any questions regarding your accounts, you
contact our staff, not an 800-number. Each year your
supervised portfolio will be comprehensively reviewed
and a detailed written report is provided. If you
prefer, you can meet with us to review this report in
person or by phone conference.
Our
account minimum for this service is $250,000. The
aggregate of all advised family accounts (IRAs, trust
accounts, brokerage accounts, etc.) can be used to
satisfy this requirement. However, if you do not meet
this threshold, you can still retain our advisory
services by paying our minimum Account Implementation
Fee and ongoing Service Fee. For more information
contact Bonnie Struck, CMFC®, Investment Services Manager at
317-872-5090.
►
Assume
responsibility for servicing your existing
commission-based
investments
Your
existing investments may be appropriate for you, but
you may not be receiving acceptable service on those
accounts. If you paid commissions to purchase those
investments or face undesirable tax consequences to
liquidate them, you may be interested in retaining
someone to provide personal and ongoing service
without making any changes in the portfolio. We can
assume that responsibility without incurring you any
material cost. An associate of Worley Financial Group,
Inc., who is a registered representative of Cambridge
Investment Research, Inc., a FINRA broker-dealer, will
become your new servicing broker. Ongoing 12b-1 fees
already paid by the mutual fund companies and
commissions on new deposits will provide the
compensation for providing this service. The account
minimum for this service is $250,000. A detailed
portfolio analysis with specific recommendations for
reallocation and change will be prepared on a fee
basis.
If
you select our firm as your investment advisor of
record, we will recommend the best investment choices
given your current portfolio, timeframe, and risk
tolerance.
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Investments
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