Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
- Portfolio Management for Businesses or Institutional Clients
- Educational Seminars & Workshops
- Other
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- Charitable Organizations
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Hourly
- Fixed Fees (Other than subscription)
Investments & Financial Planning, LLC Overview
Investments & Financial Planning, LLC is a fee-based, investment advice-only registered investment advisory (RIA) firm that has been in business since 2020. Based in the city of Lexington, KY, the company offers a range of investment and financial planning services that are designed to help individuals, small businesses, and institutional clients to achieve their financial goals. The firm's services include financial planning, portfolio management for individuals and small businesses, portfolio management for businesses or institutional clients, educational seminars and workshops, and financial consulting. With a team of experienced financial professionals, the firm is committed to providing personalized investment advice and tailored financial solutions that meet the unique needs of each client. As a fee-based RIA, Investments & Financial Planning, LLC charges clients based on a percentage of their total assets under management. This arrangement provides an incentive for the firm to grow clients' portfolios, as their fees increase as their clients' portfolio values increase. It also ensures that the firm's interests are aligned with those of its clients, as they only make money when their clients' investments perform well. Overall, Investments & Financial Planning, LLC is a trusted financial partner for anyone seeking expert investment advice and financial planning services.
INVESTMENTS & FINANCIAL PLANNING, LLC caters to a diverse range of clients. From individuals to high-net-worth individuals and even charitable organizations, the team at INVESTMENTS & FINANCIAL PLANNING, LLC has established a solid reputation for providing expert financial guidance coupled with personalized service. Clients come from different walks of life and financial backgrounds and the experts at the firm have the required technical prowess to cater to the specific requirements of each individual. When considering fees, INVESTMENTS & FINANCIAL PLANNING, LLC understands that clients have different needs and demands. Hence the firm offers a wide range of fee structures depending on the specific services provided to clients. For instance, fees could be a percentage of the total assets under management, an option that's popular amongst those requiring investment advice and management from the firm. Hourly rates are available for clients who need quick financial advice, whereas clients requiring more complex solutions could opt for fixed fees based on the scope of their financial needs. INVESTMENTS & FINANCIAL PLANNING, LLC's diverse range of fee structures ensures that their clients receive the most value for the fees charged, guaranteeing peace of mind for all their financial needs.
Typical Clients, Fee Structures & Investment Minimum
Unfortunately, the Part 2 Brochure for INVESTMENTS & FINANCIAL PLANNING, LLC does not mention any information regarding their investment minimums. It is possible that potential clients may need to directly inquire with the firm to determine what their investment minimums may be.
How This Office Can Help Scott County, KY Residents
Investments & Financial Planning, LLC provides comprehensive financial planning services to clients in Scott County, KY, and surrounding areas. Our team of experienced financial advisors offers a range of investment strategies that cater to individual needs and goals. Our financial planning services include retirement planning, college savings plans, investment management, tax planning, estate planning, and insurance planning. Residents of Scott County, KY, may face various financial challenges, including saving for retirement, paying for their children's education, managing debt, and protecting their assets. At Investments & Financial Planning, LLC, we take a personalized approach to help our clients overcome these challenges. We work closely with each client to develop a customized financial plan that reflects their unique goals and circumstances. Our team also stays up-to-date on the latest financial trends and regulations to ensure that our clients receive the best possible advice and guidance.
Services Offered by Investments & Financial Planning, LLC
Core Advisor Services
Financial Planning
Financial planning services encompass the process of devising strategies for your future financial well-being, including preparing for events such as retirement, funding your child's college education, or planning for the transfer of assets.
Portfolio Management for Individuals & Small Businesses
Portfolio management entails the careful selection and strategic management of investment combinations tailored to meet the needs of individuals and small businesses.
Market Timing Services
Market timing services involve the endeavor to generate short-term profits from investments by capitalizing on opportunities to buy at low prices and sell at high prices.
Other Services
Selection of Other Advisors
The firm provides support in selecting and engaging other advisors who possess specialized expertise to complement your financial needs.
Publication of Periodicals or Newsletters
The firm engages in the dissemination of diverse financial educational materials through the publication of periodicals.
Educational Seminars & Workshops
The firm organizes and conducts seminars or workshops aimed at enlightening investors on various financial concepts.
Fee Structures
Financial advisory fees usually are based on the services provided. Fee types charged by Investments & Financial Planning, LLC most likely consist of the following fee types: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm.
Available
Percentage of Assets Under Management (AUM)
This fee structure charges a percentage of the assets under management by the firm. Fee structures are often tiered based on the amount of assets managed, with higher AUM often charged a lower rate.
Between 0.50% and 2.00% of assets under management (annually), often lower for a robo advisor. Fees are typically charged quarterly by the firm and will show on your investment statement. View typical advisor costs here.
~96% of registered firms offer this fee structure.
If you have $1 million managed by a firm at a 1% management fee, you would be charged $10,000/year to manage your assets (or $2,500 per quarter). This would be automatically deducted from your investment portfolio.
Hourly
Similar to an attorney, a financial consultant might charge fees based on hourly rates. This fee structure can be advantageous when seeking specific or ad hoc advice.
Charges generally span from $150 to $400 per hour, depending on the extent of the services required.
~33% of registered firms offer this fee structure.
If you needed hourly consulting to sell a business or transfer your estate to your children but did not want your assets managed by a firm, you could consult a firm at an hourly rate to answer any questions you may have.
Fixed Fees (Other than subscription)
Fixed fees are a one-time, lump-sum payment rendered for a specific service, such as creating a financial plan without ongoing management or implementation. This option is beneficial if you solely require guidance for a particular objective rather than a long-term consultancy or asset management.
Fixed fees for creating a financial plan often range from $1,000 to $3,000.
~49% of registered firms offer this fee structure.
If you did not want a firm to manage your assets but needed to create a retirement plan, life transition plan such as divorce or loss of a spouse, estate transition plan, business financial plan, or any other financial planning, you could consult with an RIA firm to help you with the creation of that plan.
Unavailable
Subscription (Newsletter or Periodical)
Commissions
Occasionally, advisors are compensated through commissions by selling certain financial products, such as mutual funds or life insurance policies, or as a broker-dealer by facilitating the buying and selling of securities. Advisors who receive commissions may be incentivized to make specific suggestions to clients in order to secure a commission. Advisors who operate on a fee-only basis do not earn commissions, whereas fee-based advisors may do so.
Often 3% - 6% of the value of the security.
Only ~3% of registered firms say they offer this fee structure, but other advisors may receive “soft dollars”. Many mutual funds charge 12b-1 fees to cover the promoting and selling of the fund’s shares. While your advisor does not charge these fees, they may receive a kickback for recommending the investment.
An advisor selling their client on a life insurance policy and receiving a commission on the sale of that policy, or recommending a specific investment and receiving a kickback for that recommendation.
Performance-based Fees
Advisors typically obtain performance-based fees if a portfolio surpasses a predefined benchmark. This fee is determined through various methods, but is most commonly assessed as a percentage of investment gains. Performance-based fees may incentivize advisors to undertake riskier decisions in pursuit of generating higher returns.
“Two and Twenty” is common among hedge funds with a 2% management fee and a 20% incentive fee above the “hurdle rate,” or performance threshold the fund is compared against.
32% of registered firms offer this fee structure.
A hedge fund earns a 15% return with a 20% performance fee in above the performance of the S&P 500, which grew 7% that same year.
20% of fund growth in excess of S&P 500’s 7% growth for that year = 15% hedge fund growth - 7% S&P 500 growth = 8% difference x 20% = 2% performance fee (in addition to the management fee).
Other
Firms occasionally offer unconventional fee structures when charging clients. For more detailed information about a firm’s specific fee structures, please refer to their Form ADV and Part 2 Brochure.
Types of Clients
*The Securities & Exchange Commission defines someone as “high net worth” if they have $750,000 or more in investable assets or $1.5M of estimated total net worth.
This Office Location
Other Office Locations
This firm has no other locations.
State Registrations
Investments & Financial Planning, LLC is registered to service clients in the following states:
- Kentucky
- Tennessee
- Texas
Disciplinary History
Investments & Financial Planning, LLC does not have any disclosures. Please visit it's Form ADV for more details.