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What types of clients do you work with?
Our clients are very diverse, and have a broad range of employment backgrounds, ages, and investment objectives. We customize our services and portfolio management to fit the needs of affluent individuals, professional athletes, medical professionals, business owners, celebrities, retired professionals and their families. Normally, our clients will have a minimum of $250,000 of assets available for investment and management.
What is your investment approach?
We design a customized portfolio for each client based on his or her specific investment objectives. Each client portfolio is therefore unique and changes are made based on the client’s individual circumstances.
We believe that long-term investment performance is determined primarily by the investment markets in which one participates, and to a lesser extent by the specific investment security itself. We combine these market investments in a way to reduce risk, while not sacrificing the returns.
Can you provide advice on how I should invest the money in my company's 401(k) Plan?
Yes. If you are actively participating in your company's 401(k) plan, we will provide guidance on how to choose among the available funds in your company plan.
How are you different from a stockbroker?
As a Registed Investment Advisor, RL Paler Investment Advisors has a fiduciary duty to act in the best interests of our clients at all times. Brokerage firms (stockbrokers)generally are not fiduciaries to their customers and therefore may not make decisions that are solely in their customers’ best interests.
In fact, a study conducted by TD Ameritrade showed that 79% of investors said they would rather work with an Registered Investment Advisor if they knew advisors provided greater investor protection than stockbrokers.*
For a free copy of the TD Ameritrade study please contact us.
*2006 U.S. Investor Perception Study Commissioned by TD Ameritrade.
How are you compensated?
We charge a management fee based on a percentage of the value of the assets we manage. We accept no commissions or other forms of compensation from investment product providers or financial institutions. We are experienced and trusted professionals paid to serve our clients, not to sell. Compensation is a low fee based on the assets we manage. This helps to reduce any potential conflicts of interest.
Your accounts are held at TD Ameritrade, thus giving you access to the kind of savings only an industry leader like TD Ameritrade can offer, such as a $6.95 flat fee per stock trade. More rate information is available at https://www.tdameritrade.com/pricing.page
How will you communicate with me about my account?
You will have online access to a monthly investment performance statement from TD Ameritrade. You will also receive occasional special mailings and email alerts on topics of interest. We like to meet face-to-face with each client at least one time per year and contact our clients regularly for portfolio review, updates on current market conditions and portfolio strategy. Clients are also encouraged to contact us by e-mail, or telephone at any time to discuss their investments, ask any questions, or discuss any financial planning matter.
Who will be working on my account?
Each client typically meets with Mr. Paler, our investment professional with more than 30 years of wealth management experience, who is responsible for developing and implementing the investment strategy, and reporting to you about its performance. He will also consult with you on other financial planning issues.
Where will my account be held?
We have developed a long-standing relationship with TD Ameritrate Institutional. TD Ameritrade meets the same high standards we set in our own company. We know by working closely with TD Ameritrade, we are giving you access to the kind of benefits only an industry leader like TD Ameritrade can offer. Plus, TD Ameritrade provides specialized software and online applications for lightning-fast administrative tasks. Time saved on administrative functions is time that can be spent with our clients.
TD Ameritrade is a member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000. More information is available at www.sipc.org.
TD Ameritrade provides up to an aggregate of $250 million of additional securities protection, of which $900,000 may be applied to cash, is provided by London insurers. This protection is limited to a combined return to any client from a Trustee, SIPC and London insurers of $150 million. This coverage provides you protection against brokerage insolvency and does not protect against loss in market value of the securities.
TD Ameritrade is able to provide you with:
Will I be able to take part in the investment decisions?
Yes, of course! In the beginning we will meet with you to determine your investment goals, previous investing experiences, tolerance for risk, and your specific preferences. Your preferences will be important considerations of each investment transaction we complete on your behalf. However, your trust in our expertise is more vital to your asset growth. Periodically, every quarter, you will have the opportunity to approve, revise, or decline any particular recommendation.
Will you charge me an extra fee to consult with my tax advisor or estate planning attorney?
No, in most cases such consultations are offered as part of our normal management fee. In fact, we can act as your single point of contact working with your existing attorney's, CPA's and other financial specialist to coordinate an actionable plan to solve your financial concerns. Because you demand the very best, we have also developed over the years a network of professional advisors that we can refer to you for your legal, tax, insurance and risk management needs. We accept no referral fees from anyone in return for referring a client.