FINANCIAL PLANNING AND WEALTH MANAGEMENT

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Our Process

The process begins by identifying what the financial objectives are for you, your family, and your business. Many people have a broad sense of what they hope to accomplish, but often lack the knowledge regarding the specific investment vehicles that can best help them realize their goals.

We respect how hard you worked to build your net worth, and before we recommend anything, we get to know you. We feel one of the most important tenets of the investment process are portfolio construction and risk management. We ask questions to access your risk tolerance, your goals and needs, your expenses, your health, your family commitments and more—to better understand what you need your money to accomplish. This enables us to recommend a personalized portfolio designed with the goal to meet your needs and to help you enjoy the retirement you’ve earned.

We build diversified, low-cost portfolios across asset classes, strategies, and market caps. For the equity portion of your portfolio, we begin with a bedrock of broadly diversified index funds, surrounded by fund managers that have a track record of beating their benchmarks and then when appropriate individual stocks we believe offer additional alpha. By sharing our knowledge and experience, we can help you match your unique financial goals to the specific investments and strategies necessary to address them. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

In addition, if requested, we can perform a review of your current assets and legal documents and assess your progress toward your goals. While most people have done some planning, it's advantageous for all components to be coordinated with each other so that the entire plan works in harmony. Depending on your individual situation, we may mail you a confidential profile to complete and request that you provide copies of your most recent investment and bank statements.

Once there is an understanding of where you are now and your goals for the future, Tollerene Investment Management will present appropriate options, so you can make an informed decision. When required, we will work in coordination with your attorney and accountant to assist with implementing your plan. Tollerene Investment Management and LPL Financial do not provide legal advice or services. Please consult your legal advisor regarding your specific situation.

Once the initial planning process is complete, we will continue to monitor and adjust your portfolio as needed. To request additional information about our services, we invite you to call our office, send an email, or click here to get started, and we will follow up with a personal call.

Becoming A Client

Once you become a client, what can you expect from us? The following highlights a few of the ways we keep you up to date on what is going on in the markets and at Tollerene Investment Management.

Tollerene Investment Management Asset Allocation Questionnaire

Studies show that asset allocation is a key contributor to how your overall portfolio performs.* A strategic mix of stock, bond, and international investments may offer a balance between risk and potential returns to help you meet your long-term goals. Click Here to get started and find out what your score is.

*study by Gary P. Brinson, Randolph L. Hood and Gilbert L. Beebower, “Determinants of Portfolio Performance II,” Financial Analysts Journal, January/February 1995. The study analyzed data from 91 large corporate pension plans with assets of at least $100 million over a 10-year period beginning in 1974.

Periodic Portfolio Reviews

Portfolio reviews provide an opportunity to review your goals and answer any questions you may have about your accounts, or to learn about new developments in your life.

The Tollerene Investment Management Weekly E-Letter

This weekly e-letter discusses current financial issues, you can view current and archived Tollerene Investment Management reports by clicking here.

General Information

Transfers:

Nonqualified brokerage accounts: 2-3 weeks standard.

Qualified brokerage accounts (IRAs, Keoghs, etc.): 3-4 weeks standard.

Annuities, nonqualified or qualified: 4-6 weeks standard.

Settlement of Trades:

All brokerage account transactions must be settled within three (3) business days of placing a trade. Cash or securities must be in the account at settlement or the account will be assessed extension fees, and the trade may be reversed.

Statements:

Brokerage accounts: Mailed monthly if there is an activity in the account; otherwise, mailed quarterly.

Variable annuities and mutual funds: Mailed quarterly if there is an activity in the account; otherwise, statements are mailed semiannually.

Strategic Asset Management Advisory accounts: Mailed monthly if there is an activity in the account; otherwise, mailed quarterly statements are produced for January-March, April-June, July-September, and October-December.

Confirmations:

Every investment we make for you will generate a confirmation. On brokerage accounts, you should receive a confirmation within five (5) business days. From direct investments with annuity companies and mutual funds, expect to receive a confirmation within two (2) weeks.

Systematic Withdrawals or Deposits:

Most investment companies allow monthly, quarterly, or annual withdrawals. Forms need to be authorized to start these services. Checks can be sent to your home or directly to your bank account. Allow at least three (3) weeks for your initial request to be processed. Many companies also accept automatic monthly deposits into your investments. Again, there are forms that need to be authorized.

Lump Sum Withdrawals:

From Brokerage accounts: We can process lump sum withdrawals for you. Please beware of the following: If there is not enough cash in your account, securities will have to be sold. The money from the sale will not be available to pay out for three business days.

If you want a check overnighted, there is a $15.00 fee, $20.00 if the delivery will be on a Saturday.

If you want a check sent somewhere other than the address of record, there is a form that needs to be completed for authorization.

Taxes and Tax Statements

We will be happy to provide any information necessary for your tax preparation. You may also have your accountant or CPA call us if they need to. If you are selling investments that are transferred to us, we will not have the cost basis for those investments. That information should come from your records or your previous broker. However, it is sometimes possible for us to help you find a cost basis. So please call if you have any questions.

Brokerage accounts and Strategic Asset Management Advisory accounts: You will receive a Tax Information Statement from LPL Financial in lieu of a 1099. You should keep this statement for your accountant or CPA. In addition, for Strategic Asset Management accounts, all realized gains and losses for the year are summarized in the October-December quarterly report.

Variable annuities and mutual funds: 1099s are issued directly from the companies holding the investments.

Variable annuities: Most companies require that you request withdrawals in writing. Some companies do not process withdrawals on a daily basis. Please allow adequate time for these withdrawals.

Mutual fund companies: Most allow telephone redemptions up to $50,000 per day. Redemptions are processed at the close of the business day on which the request is received.

IRA Contributions:

We can assist you in making your annual IRA contribution if you have earned income. These contributions can be made up to April 15th of the previous year.

IRA Minimum Contributions:

Most companies will calculate minimum distributions for you when you are 70-1/2 years old. The distributions can be taken monthly, quarterly, or annually. All requests must be in writing.

Fax (281) 489-6542

Monday -Friday: 8:30am - 5:00pm

© 2024 Tollerene Investment Management. All Rights Reserved. LPL Financial Form CRS.

Securities and Advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC. The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. We are licensed to sell insurance products in the following states: Texas (TX).

PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the web sites provided here, you are leaving this web site. We make no representation as to the completeness or accuracy of information provided at these web sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, web sites, information and programs made available through this web site. When you access one of these web sites, you are leaving our web site and assume total responsibility and risk for your use of the web sites you are linking to.

LPL Financial (Nasdaq: LPLA) was founded on the principle that the firm should work for the advisor, and not the other way around. Today, LPL is a leader in the markets we serve,* supporting nearly 20,000 financial advisors, and approximately 800 institution-based investment programs and 500 independent RIA firms nationwide. We are steadfast in our commitment to the advisor-centered model and the belief that Americans deserve access to personalized guidance from a financial advisor. At LPL, independence means that advisors have the freedom they deserve to choose the business model, services, and technology resources that allow them to run their perfect practice. And they have the freedom to manage their client relationships, because they know their clients best. Simply put, we take care of our advisors, so they can take care of their clients.

*Top RIA custodian (Cerulli Associates, 2020 U.S. RIA Marketplace Report); No. 1 Independent Broker-Dealer in the U.S (Based on total revenues, Financial Planning magazine 1996-2021); No. 1 provider of third-party brokerage services to banks and credit unions (2020-2021 Kehrer Bielan Research & Consulting Annual TPM Report); Fortune 500 Company as of June 2021. LPL and its affiliated companies provide financial services only from the United States.