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Here at PFG we are independent advisors. We don't have to hit sales quotas or sell certain products demanded by our broker dealer. We are able to use multiple fund companies, annuities, or advisory services to help serve our clients. This allows us to help people save for their first time or whether they are an everyday millionaire.
A question we get often is: "How are you paid?" A lot of times this depends on the type of account, account size, time horizon, risk tolerance, and services provided. Below are two main examples of how we get compensated.
This is generally in the form of a front-load charge. We typically use this strategy for our younger clients or client accounts with long time horizons. We do this because it is generally a cheaper way to invest, especially when accounts are grouped at a fund company to earn breakpoints. After you pay the one-time fee, you will pay a much smaller annual fee (called a 12b1 fee, expense ratio, or "trail").
These accounts fall under the "buy and hold" strategy.
We use a fee based account for accounts using comprehensive financial planning and/or accounts that need more attention. Most accounts start around a 1% fee of assets held under management. Typically, these are accounts for people in or very close to retirement that need a closer eye over their investments.
These accounts fall under an "active management" strategy.
Retirement Income Plans
Financial Savings Plans
Exchange Traded Funds (ETF's)
Fixed & Indexed Annuity
Certificate of Deposit
Disability Income Insurance
Guaranteed Life Insurance
Fixed & Indexed Annuities
Medicare Advantage Plans
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