|
Welcome to
|
||||||||||||||||||||||
|
About Us
FREE Email Updates! |
The Seastrunk Financial MAP™ Announcing a State-Of-The-Art Investing Platform Designed To Enhance And Protect Your Money. PLUS: The Latest Investment And Financial Planning Techniques That Can Reduce Financial Risks, Lower Taxes And Avoid Probate.
In today’s highly complex and rapidly changing world, you are faced with an incredible array of investment choices. Many financial institutions will be happy to help you invest your hard earned dollars, but that's just one small part of achieving your overall personal and financial goals.
With a Seastrunk Financial MAP, you have access to a CERTIFIED FINANCIAL PLANNER® Practitioner, without paying any sales commissions to your advisor.Until now, people have been stuck buying ordinary retail funds sold to them by brokers and insurance agents, paying high up-front commissions on the latest hot fund and getting "financial advice" that was solely "incidental" to you buying the financial products they were selling. With a Seastrunk Financial MAP your advisor’s pay will be determined by the value and performance of your account. Our goals will be the same, to increase the value of and preserving your assets. Our compensation is earned from preserving and growing your investment dollars. And since we are not paid the majority of our compensation "up front" we stay motivated to monitor, evaluate and service your ongoing financial needs. Seastrunk Financial is "fee-only" and does not accept trip incentives or other such bribes from third parties wanting your money. Instead, our annual fee is based on the amount you invest; the more you invest, the lower the rate. One-quarter of the fee is debited from your account every three months only after we have done the work. And it shows right there on your statement from our independent custodian (Fidelity Investments).
Tax Reduction Planning
Retirement Income& Pension Distribution Planning
Family Wealth Planning
Additionally, through the years, Seastrunk has established relationships with best-of-class money managers, custodians, and trust companies that we can call upon to help implement your plan. The Seastrunk Managed Asset Program is the solution to your investment needs. With your MAP, you get a professionally-designed investment portfolio that provides you with a broad array of as many as 20 asset classes and market sectors — far greater diversification than you are likely to obtain on your own. The program also offers Dynamic Asset Selection and Strategic Rebalancing. And you get regular statements, tax reporting and complete online access to your accounts. How Is Your Money Kept Safe?
Investments that you entrust to Seastrunk Financial Management Co. are placed in custody with Fidelity’s clearing firm, National Financial Services LLC (“NFS”). Securities in accounts carried by NFS are protected in accordance with the Securities Investor Protection Corporation (“SIPC”) up to $500,000 (including cash claims limited to $100,000). For details, please see www.sipc.org. Seastrunk Financial Management is not affiliated with Fidelity or any other broker. Supplemental Asset ProtectionUp To $100 MillionMany of our clients have accounts with balances in excess of the coverage provided by the SIPC so National Financial Services LLC, arranged for additional protection for cash and covered securities to supplement its SIPC coverage. This additional protection covers total account net equity in excess of the $500,000/$100,000 coverage provided by SIPC. Neither coverage protects against a decline in the market value of securities. Broad Selection of InvestmentsWith one of the largest mutual fund supermarkets in the industry, working with Fidelity enables us to select what we think are the best investments for your portfolio, from more than 5,600 mutual funds from over 400 fund families. With a singular focus on best execution, Fidelity Capital Markets offers significant liquidity from a strong order flow pool, providing access to better prices and better information. Simplified Record Keeping The investment world is complicated enough without having to keep track of transactions, capital gains and losses, and so on — especially at tax time. Through our relationship with Fidelity, you will receive a simplified, consolidated statement each month that reflects all of your investment positions, transactions, and realized gains and losses on your trades. At the end of the year, you will receive one 1099 tax form and a summary statement, which can make preparing your tax return a lot easier.
What Does My Portfolio Consist Of?Each MAP account consists of as many as 20 asset classes, including: 1. Short-Term U.S. Government Securities 2. Intermediate-Term U.S. Government Securities 3. Long-Term U.S. Government Securities 4. Short-Term Corporate Bonds 5. Intermediate-Term Corporate Bonds 6. Long-Term Corporate Bonds 7. International Bonds 8. Large-Cap Value U.S. Stocks 9. Large-Cap Growth U.S. Stocks 10. Mid-Cap Value U.S. Stocks 11. Mid-Cap Growth U.S. Stocks 12. Small-Cap Value U.S. Stocks 13. Small-Cap Growth U.S. Stocks 14. International Value Stocks 15. International Growth Stocks 16. International Emerging Market Stocks 17. Real Estate 18. Natural Resources 19. Cash Reserves 20. Bear Market ETF’s
The portfolios are constructed via a unique combination of institution-class mutual funds, Exchange-Traded Funds (ETFs) and individual securities. Fidelity Investments Institutional Brokerage Group offers the mutual fund shares. ETFs, the fastest-growing segment of the fund industry, are offered by Vanguard, S&P, Goldman Sachs and others, and are available via U.S. stock exchanges. The total cost of the investments used by MAP varies based on the specific portfolio we recommend for you; typically it is 0.40% per year. This is extremely low by industry standards. What Is Dynamic Asset Selection?Your investment success is dependent on the specific investments used in your portfolio. Although we believe that combination of no-load mutual funds, ETFs and individual securities currently offer the most effective way for you to achieve your investment goals, opinions change due to new product innovation, changing market conditions or changes in your personal circumstances. Dynamic security selection enables us to replace a current investment with a new one, once it has been determined that the new investment offers you advantages over the current investment. Such changes are very carefully considered, and they do not happen frequently. You pay no fees or commissions when we make most changes to mutual funds, however ETF’s and individual securities incur Fidelity’s normal discounted commission schedule, additionally there may be a tax implication. What Is Strategic Rebalancing?The benefits of building a highly diversified portfolio are clear. But that portfolio must be monitored and maintained, because each asset class will change in value independently of the other asset classes. Left unattended, the portfolio could change its composition, resulting in a risky, even dangerous, overall allocation. Strategic rebalancing prevents this risk. It’s the same thing as driving a car: even when you’re traveling in a straight line on the highway, you don’t take your hand off the steering wheel. If you do, the car will drift into another lane. To prevent this, you make small periodic adjustments; otherwise you’d be forced to make occasional massive ones. MAP operates the same way. We monitor your portfolio on a daily basis, and whenever needed, rebalance the portfolio, restoring the asset allocation model to its original design. You pay no fees or commissions when we make most changes to mutual funds, however ETF’s and individual securities incur Fidelity’s normal discounted commission, additionally there might be a tax implication. What Is The Minimum Amount I Need To Open An Account?Most of our clients have multiple accounts. These include joint accounts for married couples, IRA accounts for him and her, trust accounts and even custodial accounts for the kids. The total value for all of your combined accounts should be $25,000 or more (you can start with a smaller amount if you intend to add additional funds relatively soon). Provided you meet this overall minimum, any of your MAP accounts can be as small as $3,000. Can I Use MAP For My Retirement Assets?Yes. MAP is suitable and appropriate for IRAs and other retirement accounts. In fact, approximately 80% of all the money in MAP accounts resides in IRA accounts. We can also accept ERISA accounts for clients who own a business. Can I Make Withdrawals or Receive Income From My Account? Yes. One of the great benefits of MAP is its ability to give you monthly income whenever you want. About a third of our clients receive monthly income from their MAP accounts. They receive money that is direct-deposited to their local bank. You can do this, too. You are free to start, stop, increase or decrease the amount you receive, or you might choose to receive money from your account only when you desire it. The choice is yours. You can withdraw money from any your accounts at any time, without restriction. The value of your account might be higher or lower than when you invested, subject to current market values. (If your account is an IRA, there might be IRS limitations. Talk with me first.) Some mutual funds charge a small short term redemption fee if sold within 60 days of purchase as well. Please note that it can take seven to 10 days to receive a check after you request a withdrawal. Can I Review My Accounts Online?Yes. You also receive monthly statements in the mail, and you can call us during regular business hours if you have any questions. Is My Personal Information Secure?You can be confident that we are fully committed to safeguarding your personal privacy. We hold all the information you give us in the strictest confidence, and we deploy the latest security encryption methods and firewalls to safeguard computer data. And, as a Registered Investment Advisor, registered with the SC Securities Commission, we are a fiduciary, which means we are legally obligated to work in your best interests at all times. This is the financial industry’s highest professional standard. Our Code At Seastrunk Financial we adhere to the CERTIFIED FINANCIAL PLANNER® Board’s Code of Ethics and Professional Responsibility. Additionally, we attempt to avoid conflicts of interest that may arise as a result of the management of client portfolios. From time to time we may recommend or cause a client to invest in a security in which we have an ownership position. Similarly we may purchase or sell a security or the same class of securities held in a client account or recommended for sale by the Firm. We have adopted policies and procedures and a Code of Ethics intended to prevent us from benefiting from any price movement that may be caused by client transactions or the Firm's recommendations regarding such securities. At any time, just ask and we will provide you a copy of our Code of Ethics as well as our Disclosure brochure Form ADV Pt. II.
What Does Seastrunk’s MAP Cost?
Investors should consider their investment objective, risks, charges and expenses carefully before investing.
|
|||||||||||||||||||||
