Invest In Your Future

INVESTMENT POLICY

10 Principles of Successful Investing

  

Self-discipline, not income level, determines your ability to save money.

 

If your “safe” investments don’t outpace inflation, then your investments are not truly safe.

 

Don’t try to “time” the stock market; those who do so usually fail.

 

Your investments should be part of an overall strategy designed to achieve your specific financial objectives.

 

Substantial growth of assets over the long term requires some equity investments, which can be volatile. The percentage of equities in your portfolio should be compatible with your tolerance for risk.

 

The most efficient portfolios are properly diversified, both within and among the basic asset categories.

 

The most successful investors are patient, long-term investors.

 

Investing should be as systematic as paying a monthly bill. *

 

You should take a holistic approach to your financial life, recognizing that tax strategies, insurance needs and investment goals are interrelated.

 

You should find a knowledgeable tax and financial advisor you can trust.

  

 * Periodic investment plans do not assure a profit and do not protect against loss in declining markets.  Such plans involve continuouse investment in securities regardless of fluctuating price levels of such securities.  An investor should consider his or her financial ability to continue his or her purchases through periods of low price levels.

 

Prospectuses for mutual funds and low-cost Exchange-Traded-Funds (ETF’s) contain more complete information, including Risks, Charges, Expenses & Investment Objectives.  Read them carefully before investing.  Securities and Advisory Services offered through Dedicated Investment Advisers, LLC

Welcome to Dedicated Investment Advisers LLC

(a Registered Investment Adviser)

“Advisor” can be spelled two ways. Congress spelled it as “Adviser” in the Investment Advisers Act of 1940.

1. Investment Adviser Public Disclosure

2. DISCLOSURE BROCHURES

Customized Financial Services & Investing

As your financial advisor, we can assist you with your finances in a number of ways, such as investing, retirement planning, insurance planning, estate planning, and tax planning.

Plan

Financial Services

… a financial advisor refers to anyone who helps clients manage their money. … A financial planner may also have certain areas of expertise, such as retirement planning or education funding planning. Financial advisors and a financial planners may hold different certifications and licenses.

DiveRsify

Create a Diverse Portfolio

… a portfolio constructed of investment products with different risk levels and yields, which seeks to lower the assumed risk, and leverage a significant percentage of the variability of the portfolio performance.

Manage

Personal Wealth Management

… an investment advisory practice that incorporates portfolio management and other aggregated financial services for individuals, as opposed to corporations, trusts, funds or other institutional investors.

One Size Fits One 

Create a Strategy That Works For YOU

… contemplate, assess, view, create, and implement a future investment path

The terms “financial planner” and “investment advisor” are often confused:
To compare financial planning to real estate, a financial planner is most like an architect who creates the plan, and a Registered Investment Adviser, like Dedicated Investment Advisers LLC, is most like a general contractor who works on the plan. But unlike architecture, financial services is a multi-disciplinary field.  CPA’s contributed to the development of financial services, decades ago. CPA’s are not just now coming to financial services, because we’ve always been there.

Accounts

IRA ACCOUNTS: TRADITIONAL’s, ROTH’s, ROLLOVER’s, SEP’s, SIMPLE’s, BENEFICIARY’s

INDIVIDUAL ACCOUNTS: JTWROS, TRUST, UTMA, UGMA, 529 COLLEGE ACCOUNTS, SOLO 401K’s

CUSTODIANS

1. TD Ameritrade (stocks, bonds, ETF’s, mutual funds, CD’s)

2. TransAmerica (annuities)

Experienced Advisor 

STEVE CLOTT, CPA EA CFP®

(with access to peer advisors in the fields of law, accounting, taxes, investments, insurance, and real estate.)

 (further backup in case of illness or disability)

Invested

LUMP SUMS, ROLLOVERS, SYSTEMATIC INVESTMENTS, DOLLAR-COST-AVERAGING, REINVESTMENTS

How We Work. Our Mission & Values

… offering benefits, services, and resources that assist and add value for investment clients.

Our mission: to provide you quality and affordable financial services including tax preparation, investment management, long term care insurance, healthcare plan options, in order to secure financial freedom, stability and asset growth for you, during your working life and your retirement years.

Financial Services

… professional services involving the investment and management of your money and assets, including tax preparation, insurance coverage, and investment portfolios

Retirement Plans

… determining your retirement income goals and the actions and decisions necessary to achieve those goals, including identifying sources of income, estimating expenses, implementing a savings program, and managing your assets and risk

Estate Planning

… set up with the help of an attorney experienced in estate law

Impact Investing 

… using your money and investment capital for your desired positive social results

Risk Management

… forecasting and evaluation of your financial risks, together with the identification of procedures to avoid or minimize their impact

Portfolio Management

… the art and science of making decisions about your investment mix and policy, matching investments to objectives, asset allocation, and balancing risk against performance

Let Us Help You Take Your Money To New Heights

… as you concentrate on your education, career, and family

Financial Resources and News

… occasional blurbs, emails, and newsletters, that may have value to your personal life

Privacy Notice

Dedicated Investment Advisers, LLC is committed to maintaining the confidentiality, integrity and security of the personal information that is entrusted to us.

To conduct regular business, we may collect non-public information about our clients from sources such as: (1) Information reported by clients on applications or other forms clients provide to us. (2) Information about client transactions with us or others. (3) Conversations between client and firm representatives. We will share non-public information solely to service client accounts. We will not disclose any non-public personal information about clients or former clients to anyone, except as permitted by law. If a client decides to close his or her accounts with us or becomes an inactive client, we will continue to adhere to this privacy policy and practices with respect to that client as described in this notice.

The categories of nonpublic information that we collect from you may include information about your personal finances, information about your health and credit reports to the extent that it is needed for the financial planning process, and information about transactions between you and third parties. We use this information to help you meet your personal financial goals.

With your permission, we disclose limited information to attorneys, accountants, and mortgage lenders with whom you have established a relationship. You may opt out from our sharing information with these nonaffiliated third parties by notifying us at any time by telephone, mail, fax, email, or in person. With your permission, we share a limited amount of information about you with your brokerage firm in order to execute securities transactions on your behalf.

We maintain a secure office to ensure that your information is not placed at unreasonable risk. We employ a firewall barrier, secure data encryption techniques and authentication procedures in our computer environment.

We do not provide your personal information to mailing list vendors or solicitors. We require strict confidentiality in our agreements with unaffiliated third parties that require access to your personal information, including financial service companies, consultants, and auditors. Federal and state securities regulators may review our Company records and your personal records as permitted by law.

Personally identifiable information about you will be maintained while you are a client, and for the required period thereafter that records are required to be maintained by federal and state securities laws. After that time, information may be destroyed.

We will notify you in advance if our privacy policy is expected to change. We are required by law to deliver this Privacy Notice to you annually, in writing.

TD Ameritrade is committed to providing our clients with secure and reliable access to their accounts. This commitment includes providing information regarding plans to address disruptions in our business operations due to power outages, natural
disasters, or other significant events. In the event of a disruption, TD Ameritrade has a Business Continuity Plan that is intended to permit the firm to maintain business operations such as processing client orders and transactions, providing access to cash and securities, and providing access to information about balances and transactions in client accounts. Examples of how
TD Ameritrade’s plan addresses disruptions of varying scope and magnitude include:

• Disruption of service at any of our service centers will result in calls, orders, and electronic communications being rerouted to an alternative service center located in a different region of the country with a separate power grid and transportation system.
• A significant disruption in our primary data center will result in a transition to systems at an alternate data center: Our data· centers are each supported by backup power generators and are located in different regions of the country with different ·• power grids and transportation networks.
Although TD Ameritrade has taken significant steps to develop and implement sound business recovery practices, after a significant business disruption, clients may still experience service disruptions, or reduced services or access as the firm recovers. We continually assess, update, and test our plans to ensure that TD Ameritrade plans are robust and are consistent with many of the best practices in the industry. Any modifications to our plan will be reflected in this Business Continuity
Plan Statement, which will be posted on our website, or you may obtain a current version of this Statement by writing us at TD Ameritrade, Inc., Compliance Department, P.O. Box 2148, Omaha, NE 68103-2148.

Investment Products: Not FDIC Insured • No Bank Guarantee • May Lose Value

TD Ameritrade, Inc. and TD Ameritrade Clearing, Inc., members FINRA/SIPC. TD Ameritrade is a trademark jointly owned by
TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. © 2019 TD Ameritrade.

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Face-to-Face, or Online Appointment –

Bring your prior 5 years of personal individual tax returns (1040), so that we can get to know you better.

 

 

(610) 446-0440
Steve@SteveClott.com
M-F: 10am-4pm

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