The Firm acknowledges that a potential conflict of interest exists, because the Firm is compensated by charging fees for assets under management; as such, the Firm acknowledges that a potential conflict of interest exists because it benefits from the accumulation of client assets.
Clients are encouraged to:
- Be aware of the management fee charged by the Firm;
- Know that less expensive options are available from other firms; and
- Give careful consideration before hiring the Firm or leaving a former employer’s retirement plan (e.g. 401k rollover).
- The client is advised to give careful consideration to the selection of a broker/custodian, a registered investment adviser or the decision to leave a former employer’s retirement plan (e.g. 401k rollover).
- Prior to the decision, the client should understand the benefits and limitations of available options and consider factors such as differences in investment related expenses, plan or account fees, available investment options, distribution options, legal and creditor protections, the availability of loan provisions, tax treatment, and other concerns specific to their individual circumstances.
A copy of the Firm’s Code of Ethics is available upon request.