Start with the Allos Risk Assessment. When the risk assessment is completed, we will contact you to help you open an account with us.

Absolutely not. We are paid a subscription fee for Allos+ planning and a fee based upon the value of the assets in your account. Our fee structure is clear and transparent. All fees paid to Allos are reported as a line item on our performance reports.

No. We use a custodian to hold your assets. You still maintain control of your assets. Only you retain the ability to withdraw any assets from your account. You will simply sign a Limited Power of Attorney on your account(s) to name us as the advisor. This provides us with the ability to interact with the custodian about your account(s), have trading authority and deduct our management fees.

No, all investors maintain their assets in individual accounts.

Accounts are reviewed on an ongoing basis so that we can make sure account transfers, contributions and distributions are handled correctly. Your account is managed alongside others with the same risk tolerance to make sure that the account(s) allocations, target percentages, and rebalancing is performed when necessary. Additionally, the investment committee oversees all account positions, looking for opportunities to make enhancements to the account(s) as needed.

Yes, your account is very liquid. If there is enough money in the money market to handle your request, we can usually transfer the money into your bank account within 24 hours. If we need to liquidate investments to meet your cash requirements, then the cash can be available in as little as 4-5 business days. We recommend that you maintain a separate emergency fund so you don’t have to prematurely liquidate long-term investments.

You will receive monthly statements from the custodian showing your balances, positions and any activity in the account. Performance reports are available online with month-end account information. We will email you letting you know when new reports are available. Quarterly, we provide an overview, via email, of positions purchased and sold in addition to economic and/or market commentary. Periodically, you may also receive memos from us if we make a strategic change to your portfolio allocation.

Yes. We can arrange for duplicate statements to be sent out automatically.

Yes. Once your accounts have been set up, you can access them via our website.

No. When you hire us to manage your assets, we make all the trades in the account as we have agreed to do.

Our investment management contract is open-ended, meaning you may discontinue using our services at any time with a 30 day notice. You would not have to pay us a penalty, and any unearned fees would be refunded.

Investment management fees are collected at the beginning of every calendar quarter. Our management fee is billed directly to the accounts so there is no need to write us a check every time. If you are an Allos+ client, then you will also have your subscription fees for planning deducted as a recurring ACH (or credit card) transaction, according to your engagement agreement on file.