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SPAHR FINANCIAL GROUP, LLC
R e g i s t e r e d I n v e s t m e n t A d v i s o r
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Objectives
Spahr Financial Group,LLC (SFG) is a registered investment advisor with the State of California. It is fee-only (non-commission) R.I.A. providing investment advisory and portfolio management services. SFG specializes in index and passive investment management, SFG primarily derives its investment strategy from Modern Portfolio theory and Efficient Market theory , and utilizes Indices, ETF's, Mutual Funds, as well as Individual Equities & Bonds. We have a long track record of commitment to our clients. By providing quality private money managers and asset allocation programs we help investors achieve their goals. An investment advisor disclosure ADV-Part II substitute is available upon request. Advisor may be contacted at (714) 963-5000 or e-mail at bspahr@spahrfinancial.com.
Investment Strategy:
Spahr Financial Group, LLC specializes in passive portfolio management employing diversified asset class index funds from Fidelity, Dreyfus and other no load fund companies. Passive management offers many benefits including no individual stock or fund selections, a very low cost / expenses, broad diversification, specified risk/return ratios, and few taxable events. SFG also utilizes concepts derived from Modern Portfolio theory, which is a practical application of decades of academic research based on Nobel Prize concepts and diversification / correlation. Advisor uses data gathering, client consultation, and asset allocation models to design efficient portfolios. Portfolios are customized to match each clients unique investment profile including but not limited to risk tolerance, time horizon, tax status, expected returns, holding periods, type of account, particular investment mix, etc. Advisor applies knowledge gained from Modern Portfolio theory and Efficient Market hypothesis by specializing in Index and Passive Investment strategy. The strategies are implemented by the use of low cost instruments. such as ETF's,
Advisory Fees:
SFG is a fee-only advisor and offers two fee options: (1) Client shall pay a quarterly fee to Advisor for its services. Advisor's fee is linear and based upon the gross value of the managed assets, as reported by their Investment account,% of the based on the settlement date, from the prior cycle. Prorated fees will be charged for any additions and withdrawals to the count(s) resulting in the "Assets Under Management", (AUM). On managed investments the quarterly fee shall be .45 of the first $50,000 to $250,000; .35% in excess of $250,000 and less than $500,000; .30% in excess of $500,000 and less than $1,000,000; and .25% on AUM in excess of $1,000,000. All accounts are subject to a minimum fee of $250 per quarter. Investment & Portfolio assets for affiliated groups or entities may be aggregated at Advisor's discretion for purposes of computing fees. Fee schedule is negotiable. For financial planning or other engagements that do not involve ongoing management, Spahr Financial Group, LLC, Advisors charges fees on an hourly basis at the rate of $150 per hour, or may charge a predetermined fixed fee depending on the project undertaken.
An investment advisor disclosure document ( Uniform Application for Investment Advisor Registration - Form ADV - Part II) , is available upon request. Spahr Financial Group, LLC, Advisors may be contacted at (714) 963-5000, or email at bspahr@spahrfinancial.com.
SPAHR FINANCIAL GROUP, LLC
Brian L. Spahr, CFP
18682 Beach Blvd., Suite 235
Huntington Beach, CA 92648
(714) 963-5000
(714) 963-5079 fax
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SPAHR FINANCIAL GROUP, LLC, is a registered with the State of California as an investment advisor, offering fee based advisory services only to residents of California. As such these services are strictly intended for individuals residing in CA. Advisor may only transact business in a state if first registered in that state, or is excluded or exempt from registration (de-minimus rule) in that state as registered representative, investment advisor, as appropriate.
Investment products and services are available only to residents of CA, CO, FL, GA, HI, MT, ND, PA, TX, WA. Brian L. Spahr, CFP is a Registered Principal offering securities through Accountants Financial Alliance Securities, LLC (AFAS), Member NASD, SIPC. SPAHR FINANCIAL GROUP, LLC is not affiliated with AFAS.
Risk Management: We are licensed to sell insurance products in the following states of California (0C59068) & Florida (D083570).
CFP, CERTIFIED FINANCIAL PLANNER tm and CFP Mark are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.
Copyright 2002 SPAHR FINANCIAL GROUP, LLC. All rights reserved. All trademarks and service marks are the properties of their respective owners.