In a initial discovery meeting we will discuss your goals. Then we gather the pertinent information. Next, over the course of a few meetings, we will analyze and address the items that are important to you. We will then set up a list of goal items to complete together.
Fees for planning are usually around $800 but can be more or less based on complexity. Fees can be discounted for clients we manage assets for.
Assets are managed in an Advisory relationship in which Blue Collar Advisors LLC has a fiduciary responsibility to do what is in your best interest. Money is managed at Charles Schwab on the Institutional platform for independent advisors. Your accounts can be monitored through the Schwab Alliance website which you will have access to when your account is opened.
Accounts are actively managed based on your goals and what is appropriate for where you are in life. We use a mix of Mutual funds, ETFs and individual stocks in a diversified cost-sensitive approach. In times of volatility or opportunity we actively adjust your portfolio with our eyes on your personal goals.
Fees for ongoing asset management are 1% a year, billed quarterly from your account. Discounts are available for accounts over $500,000, philanthropic accounts or at our discretion in special circumstances.
Due to investment limitations and our costs, clients with aggregate of assets with us under $20,000 will usually be invested in a commission based account at a mutual fund company that fits them, utilizing a more passive buy and hold approach. As your assets grow, we can explore more options.
As insurance needs come up in the planning process we are able to address them through relationships with insurance brokers that we sell through. Below is a list of insurance needs we are able to address, when appropriate.
Since our insurance relationships are independent, we have access to the majority of the companies that are competitive in their type of insurance, allowing us to find the product that is the best match for you based on price and coverage.
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*Securities offered through Securities America, Inc., Member FINRA/SIPC. Advisory services offered through Arbor Point Advisors, LLlC. Blue collar Advisors, Arbor Point Advisors, and Securities America are separate entities
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*This site is published for residents of the United States and is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy and security or product that may be referenced herein. Persons mentioned on this website may only offer services and transact business and/or respond to inquiries in states or jurisdictions in which they have been properly registered or are exempt from registration. Not all products and services referenced on this site are available in every state, jurisdiction or from every person listed.
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