FAQ

Can you describe your investment philosophy and how you manage risk?

We use a well-defined investment process that balances net exposure, selection, and position size to accommodate current market conditions, risks and opportunities. We have structured our trading guidelines to weather “all seasons” of the market. Avoiding permanent loss of capital (risk) while earning a consistent return that compounds over time is statistically the fastest way to build wealth. Our systems work to achieve this goal by generating asymmetric returns (positive upside capture ratios) in all strategies. All of our investment strategies have a few common characteristics that utilize an active trading approach to generate returns using our own proprietary trading system. All strategies use specialty mutual funds, exchange traded funds, individual stocks, limited partnerships, and bonds in fluid combination depending on market conditions and investment goals.

For more info, see our Why Us? page.

Is your investment process well defined and repeatable?

We use a rigid process when deciding when and what to purchase:

Step 1 Net Exposure

Asset Allocation Decisions, Long Term Trend Analysis

Step 2 Selection

Relative Strength Analysis, Leadership / Valuations / Diversification,
Styles / Size / Sectors / Country

Step 3 Position Size

Overweight / Underweight, High/Low Conviction

Final Investment Strategy

Stops are established on all positions to reduce risk of loss and capture gains.

What role does passive index investing play in your client portfolio?

Passive exposure to the financial markets through direct indexing strategies or low cost ETF products is highly productive and tax efficient during bull markets which tend be the dominant market condition over time.  Our passive models inherently employ tax loss harvesting, strategic rebalancing and factor bias (dividend, momentum, value, shareholder yield) in order to optimize after tax results.  These strategies are a perfect complement to our more active strategies in building a complete portfolio of investment for all market conditions.

How do you report back to me?

Our custodian, Fidelity, sends monthly digital statements to all clients.  In addition, you will have 24/7 access to your complete portfolio through any of our third party aggregator software platforms – Orion or E-Money Advisor.   For most client households we conduct comprehensive semi-annual financial planning and investment reviews in order to update your plan and make sure you are staying on track with your goals and assumptions

How do your fees compare with other money managers or with the average equity mutual fund?

We believe that our average annual household fee is fairly close to the industry averages for the financial services industry. There are a lot of different models to deliver financial advice so an exact comparison is somewhat difficult; however, most advisors in our industry don’t do what we do in terms of risk management or offer complete financial advice. Our investment management style has been accurately described as having similarities to a hedge fund (for individual accounts) inside a comprehensive wealth management services firm. By comparison, hedge funds can charge up to 2% per year plus 20% of annual returns. All Season charges a fraction of that. For a full review of our fees please visit our fees page (link to Our Fees page). After including our package of financial planning advice, subsidized tax preparation, and estate planning services, we believe the value of our service offering surpasses the fee that we charge.

How many clients do you have, and will I get personal service when I call your firm?

We currently cater to approximately 200 households nationwide. Our clients have been extremely satisfied with the level of personal service they receive. Our staff in Denver is available daily during business hours and always make time to personally address inquiries in a timely and efficient manner.

Has your firm ever been named in an SEC disciplinary action, or been involved in an arbitration case?

All Season Financial Advisors has never been cited for disciplinary action through the SEC or any other governing body nor have we been subject to any arbitration. We have been examined regularly through our history and have a clean record which is available for review through the IARD system. Our IARD identifier is 110404.

Will you provide me with references to discuss these questions and see if All Season Financial Advisors is right for me?

Yes. We have current clients that have volunteered to be references regarding our services and we would be happy to put you in touch with them.

How are your fees calculated? What are your fees based on?

Our annual fee is calculated on total assets under management and charged to clients on a quarterly basis (¼ of the annual rate). As we are a fee-only advisor and charge a fee for assets under management, we do not charge commissions and are not compensated by buying or selling specific securities in any way. We are interested in seeing your money grow and providing excellent advice in regards to your wealth servicing needs. We see this model as the most effective way to combat inherent conflicts of interest when investing. We operate as clear fiduciaries to our clients and have done so since the inception of our firm.

Who has actual custody of my account?

We work with three custodians; Fidelity, Charles Schwab and Nationwide Mutual Insurance Co. for our variable annuity offering. Your assets are always directly held at these custodians; All Season Financial Advisors, never has possession of your assets beyond a power of attorney to trade your accounts.

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303-837-1187

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