Services and Advisory Fees
Managed Investments Products and Types of Accounts
- Individual Equities
- ETF’s (Exchange Traded Low Cost Index Baskets)
- I Shares ETF's, Vanguard ETF’s and others
- No load mutual funds
- No-load Annuities
- Variable Life
- Closed End Funds
- Fixed Income
- Beneficiary IRA
- IRA Rollovers
- SEP IRA
- Simple IRA
- Roth IRA
- Traditional IRA’s
- 401-K IRA
- Profit Sharing
- Money Purchase
- Defined Benefit
- Taxable Indiv & Corporate Accounts
- Tax efficient Portfolio Accounts
- Trusts
- Estates
- Foundations
- Charitable
Financial Advice
- Retirement Planning
- Estate Planning
- Investment asset allocation planning
- Variable and 401k Annuity asset allocation planning
- OIA, Inc. refers all estate planning to Board Certified Estate Planning Attorney’s
- We refer all annuities to Fidelity Investments or to Vanguard Investments. Both firms offer no-loads and no surrender charge on their variable annuities
- OIA, Inc. asset allocates no load variable annuities on behalf of their clients
Insurance
- Disablility Insurance
- Life Insurance
- Long Term Care
- Personal and Professional Liability Umbrellas
- Property Casualty
- Workmans Comp
- We refer insurance needs to independent low load insurance representatives
Tax Planning
- OIA refers all tax planning to CPA’s
Estate Planning
- We refer all Estate Planning to Board Certified Estate Planning Attorneys
Investment Management Fees
Orser Investment Advisors Fees for Managed Accounts:
Services for a Managed Account include investing and monitoring of your portfolio’s, downloading and reconciliation of accounts from Fidelity, one annual client review meeting by telephone, client telephone conversations, quarterly reports (including portfolio holdings, individual investment performance). Fidelity Investments illustrates advisory fees on the January, April, July and October statements. OIA invests on your behalf and is responsible for portfolio performance.
Minimum is $500,000 for a Managed Account by OIA and Minimum for Managed Institutional Account by OIA $2,000,0000. Minimums and advisory fees may be negotiable under special circumstances.
$500,000 to $2,000,000
Above $2,000,000
0.25%
0.125%
1%
0.50%
What is an Independent Financial Advisor?
What is a Registered Investment Advisor?
Based on a percent of assets under management
Calculation is made at each quarter end, based on total market value
Charged directly and debited from the account for the upcoming quarter
May be tax deductible if one itemizes deductions (verify with your CPA)
Orser Investment Advisory Services and Fee for UnManaged Accounts:
Services for an Unmanaged Account include investing for yourself online, monitoring of your portfolio’s, downloading and reconciliation of accounts from Fidelity, one annual client review meeting by telephone, client telephone conversations, quarterly reports (including portfolio holdings, investment performance, management fee invoices and realized gains and losses for taxable accounts). You are responsible for the performance of UnManaged Accounts.
Minimum $500,000 for UnManaged Account with OIA and Minimum for UnManaged Institutional Account with OIA $2,000,0000.
Minimums and advisory fees may be negotiable under special circumstances.
$500,000 to $2,000,000
Above $2,000,000
0.125%
0.0625%
0.50%
0.25%
Based on a percent of assets under management
Calculation is made at each quarter end, based on total market value
Charged directly and debited from the account for the upcoming quarter
May be tax deductible if one itemizes deductions (please verify with your CPA)