Conrad Seastrunk, Florence Financial Advisor, Florence Financial Planner, Florence fee only financial planner,

How You Will Pay for Services and Products

 

My firm’s Form ADV, and Investment Advisory Agreement include more information about how you pay. We gave you these documents. You also can access them online. I will help you understand the fees you will pay and the cost of any services and products I recommend.

 

You will pay an advisory fee each quarter. The advisory fee covers our costs to manage your assets and provide other financial planning services for you.

 

 

You will pay fees and expenses to third parties when you invest in mutual funds and exchange-traded funds (ETFs).  In addition to the advisory fee you pay us, these products have operating expenses and ongoing fees. Mutual fund and ETF fees and expenses can include investment management fees and shareholder service fees.

 

You will pay fees and expenses to the firm that holds your assets (I.e. Fidelity). You will pay fees and expenses whether you make or lose money on your investments. Fees and expenses will reduce the amount you earn on your investments.

 

It is our duty to search for low-cost options available for our clients and we are mindful of this when choosing the different investment options.

 

How I Will Be Paid

 

You pay my firm an advisory fee. I am paid a salary plus a part of the fees that my firm receives.  You will find more information about payments to me in my firm’s Form ADV and Investment Advisory Agreement.

 

My Material Conflicts of Interest

 

My firm and I have a conflict of interest whenever we have interests that are different from yours. Conflicts can affect the recommendations we give you. When we have a conflict, we will tell you. You can find more information about my conflicts of interest in my firm’s Form ADV, and Investment Advisory Agreement.

 

We have policies and procedures designed to help manage conflicts. I will always work in your best interests.

 

•     The ways you pay us create conflicts of interest. The amount I earn from working with you depends, in part, on the amount of assets I manage for you. I have an incentive to recommend that you make financial decisions that would result in more assets under my management.

 

•     If we provide other services to you in the future, there may be different conflicts. When we have a conflict of interest, we will tell you about it.

 

If you are concerned about a conflict of interest and how it might affect your account, please talk to me about it.

 

 

 

 

Copyright ® 2020 Seastrunk Financial Management, LLC

Seastrunk Financial Management, LLC and Fidelity Investments are independent companies and are not affiliated. There is no form of legal partnership, agency, affiliation or similar relationship between your financial advisor and Fidelity Investments, nor is such a relationship created or implied by the information herein.

 

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

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