What am I paying for?

SEM Investment Management Fee: 1.125% Max
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Daily and monthly monitoring of your portfolio
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Access to lower cost investment options
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Proprietary Portfolios that play Offense and Defense
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Portfolio diversification
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Working with advisor to create a risk efficient investment portfolio
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Frequent communication with your advisor
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Protection of downside market risk
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Economic & Investment Information via Quarterly Newsletter
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Handling of contributions, withdrawals and distributions
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Create Investment Policy Statement for the client & advisor
Financial Advisor Fee: 1.125% Max^
^note: some advisors may charge flat rates for some of these services or may not offer all of them
1.) Initial Development of your customized plan
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Savings & Budget Goals
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Taxes & Estate planning
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Retirement Income Planning
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Determine Investment Objectives, Risk Tolerance, & time horizon
2.) Implementation of Plan
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Tax Management
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Select Investment Solutions
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Monitoring / Reviewing all of the above periodically
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Behavior modification (help avoid emotional decisions)
3.) Other customized services
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Retirement transitioning
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Social Security/Medicare/Pension assistance
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Insurance protection planning
Custodian (E*Trade): 0.12% Fee Max*
*Note: historically this has averaged less than 0.10%/yr.
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Access to over 8000 mutual funds & ETFs that SEM can choose from without any transaction fees
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Unlimited trading
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Real-time internet access to account information
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Tax Reporting (1099s, 5498, Cost Basis, 8949) with electronic downloads of data for CPA
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Quarterly custodian statement either paper or electronic
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Required Minimum Distribution Calculations for Clients over the age of 70.5
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ACH Withdrawals and Check processing