Though this is not a comprehensive list of our services, it provides a good overview of what we provide. We generally do not charge for an initial consultation.

Financial Planning Services

We offer a variety of financial planning and advisory services to individuals, families and businesses regarding the management of their financial resources. Generally, services will involve preparing a financial program for you based on total financial circumstances, needs, goals, and objectives. Clients may choose to have a comprehensive financial plan or request a more concentrated analysis regarding a more specific area of concern such as estate planning, retirement, or investment strategies.

In the course of analysis we may review or create financial tools such as statements, cash flow analyses, or net worth balance sheets.  Information will then be utilized in making financial planning recommendations for a course of activity or specific actions you should take. Recommendations may include the rearrangement of cash flows, funding of accounts toward short and long-term goals and objectives, the obtaining or revising of insurance coverage, establishment of an individual retirement account, an increase or decrease funds held in savings or workplace retirement accounts, or to invest funds in certain securities.  We also review and assist in the development of tax or estate plans.

In the course of the arrangement, the advisors may recommend clients utilize the services of a qualified accountant, trustee, or attorney as part of the financial planning team, as deemed appropriate.

Investment Consultation Services

We offer one-time, ongoing, or periodic basis one or more of the following investment consultation services.

1. Portfolio Construction.  We will recommend construction of a portfolio and provide investment advice on a non-discretionary basis to you through personal, mail, phone, or e-mail communication as you direct.  Investment advice may be provided regarding asset allocation, investment selection, investment advisor retention, due diligence, or other services as agreed upon by both parties.
2. Portfolio Review.  We will perform a review of your existing portfolio in light of your objectives.  Such review and consultation will culminate in advice regarding recommended changes to your investments and guidance related to implementation of proposed changes.
3. Securities research.  We will provide research and advice regarding specific securities, industries, or markets.
4. Other consultation services.  We will offer other advisory services as described in the client agreement that you will sign with us.

We may not qualify to, and do not, render legal, tax, or accounting advice or prepare any legal documents for you unless our Advisory Representative is duly licensed as an attorney or accountant in your state of residence.  Your personal attorney will be solely responsible for providing legal advice, legal opinions, legal determinations, and legal documents.  Your personal tax advisor or accountant will be solely responsible for any tax or accounting services provided to you.

If you receive investment consultation services, you may purchase securities or insurance products offered through us pursuant to a plan or consultation.  Advisory Representatives typically receive commissions as Registered Representatives of Royal Alliance or insurance agents in connection with such transactions.  Thus, the Advisory Representative may have a conflict of interest when providing these services because they may receive additional compensation if you choose to execute transactions through them in this capacity.  Advisory Representatives will also be compensated if you choose to implement recommendations by retain the Advisory Representative to provide other investment advisory products or services.  You are under no obligation to purchase products or services recommended by us or our advisors.

Investment Advisory Services

For clients who desire management of their assets (subject to certain minimums), we offer Investment Advisory Services.  Our services emphasize personal client contact and interaction rather than continuous and regular account supervision. Our advisors will work with you to identify your investment goals and objectives as well as risk tolerance, in order to construct, recommend, and implement an initial portfolio allocation of suitable investments designed specifically to your particular goals and situation.  You will have the opportunity to place reasonable restrictions on the types of investments to be held in the portfolio.

Under this arrangement, funds will be placed into a non-commissionable advisory account, where we can purchase any combination of the following asset classes: individual stocks, bonds, no-load funds, load-waived funds, Exchange-Traded Funds (ETFs), CDs, money markets, and Unit Investment Trusts (UITs).  At times, portfolios may also consist of variable life and/or variable annuity sub-accounts. 

Once the appropriate portfolio has been determined, the Adviser Representative will conduct a client review meeting on a quarterly basis, or as otherwise pre-arranged with you.

Third Party Advisory Services

We offer our clients the services of various third party investment advisors (“Third-Party Advisory Services”) for the provision of certain investment advisory programs including mutual fund wrap and separately managed account programs.

If you are interested in learning more about any of these services, please note that a complete description of the programs, services, fees and payment structure, and termination features is available via the Third Party Advisory Service’s disclosure brochures, investment advisory contracts, and account opening documents.

In connection with these arrangements, we will provide assistance in the selection and ongoing monitoring of a particular Third-Party Advisory Service.  Factors that we consider in the selection of a particular third-party advisor may include but may not be limited to: i) our assessment of a particular Third-Party Advisory Service; ii) your risk tolerance, goals, objectives, and restrictions, as well as investment experience; and, iii) the assets you have available for the investment.

 If such services are desired, you will need to sign an advisory agreement with both your Investment Advisor Representative and directly with the Third Party Advisory Service selected. 

You should know that the services provided by us through the use of Third-Party Advisory Services are under certain conditions directly offered by them to you.  The fees charged by Third-Party Advisory Services who offer their programs directly to you may be more or less than the combined fees charged by the Third-Party Advisory Service and us for our participation in the investment programs.  However, when using the services of Third-Party Advisory Services directly, you do not receive our expertise in developing an investment strategy, selecting a Third-Party Advisory Service, monitoring the performance of your account, and changing a Third-Party Advisory Service provider when appropriate.

Seminars and Workshops

Our advisors are qualified to speak to groups and conduct organized family meetings on a variety of financial topics, including but not limited to strategies related to retirement, investments, estate planning, attaining savings goals, and the general proper use of money.  Our Advisors can be contracted to speak or conduct a workshop organized by a third party or to organize one specifically suited to your purposes.