Investment Advisory Services
Available through SII Investments, Inc.

Each individual has a unique financial situation. Therefore, our approach with clients will be predicated on understanding their entire financial profile. That profile includes their various sources of cash flows; all assets, including stocks, bonds, mutual funds and other invested accounts, plus predictable expenses and planned capital expenditures. This financial profile is considered in the creation of a suitable investment portfolio. Consequently, it is imperative we comprehend the entire financial picture.

In order to facilitate the creation of a suitable portfolio, we have a six step investment process available through SII Investments. 

• Step one - Financial Analysis

• Step two - Asset Allocation Modeling

• Step three - Portfolio Strategist Selection

• Step four - Investment Manager Selection

• Step five - Monitoring and Rebalancing

• Step six - Reporting

6 Portfolio Strategies are based on:

• What are your investment goals?

• What is your time horizon?

• What are your liquidity needs?

• What is your risk tolerance?

• What are your investable resources?

• What are your income needs?

Different Portfolios:

1. Capital Preservation

2. Balanced Income

3. Balanced

4. Balanced Growth

5. Growth

6. Agressive Growth

FAQs

• Who is this service ideal for?

• Are the commissions high?

• Is the customer locked in for a specified amount of time?

• How is this program unique?

• Who do we contact for more information?

Six Step Investment Process:

• Step one is a financial analysis to understand financial goals and objectives. A comprehensive risk/return questionnaire is completed where time horizon, risk tolerance, rate of return objectives and tax considerations are highlighted. The financial analysis will lead to a written Investment Policy Statement. The Investment Policy Statement establishes reasonable expectations, objectives and guidelines for investing in the portfolio.  

• Step two is asset allocation modeling.  Asset allocation is the process of allocating investments to specific asset classes so return may be maximized for a given level of risk.

• Step three is portfolio strategist selection. Investment success is greatly enhanced by forging strong investment management capability to asset allocation and portfolio strategy decision making.  With our new program we have the ability to offer customers access to a wide variety of investment managers. 

• Step four is investment manager selection.The investment manager selection will strongly consider the amount of assets available to invest, individual investment requirements and tax considerations.

• Step five is monitoring and rebalancing to continually monitor the investment portfolio, oversee the portfolio strategist’s decisions to rebalance and realign your portfolio, and clearly communicate the changes.  For example, based on data collected in step one, if an investor has a target asset mix of 60% stocks, 30% bonds and 10% cash, but over time, because the stock market performed well, the portion allocated to stocks became 75%, we would rebalance the stock portion back to the target mix of 60%. 

• Step six is reporting to provide clear, ongoing communications to the client.  This includes monthly custodial statements, quarterly performance reports, year-end tax planning reports, a quarterly newsletter and daily Internet access.  In addition, a yearly face-to-face meeting with an SII Investment Advisor Representative.

FAQs

Who is this service ideal for?
The high net worth investor that desires to simplify their life. Many typical investors have CD’s at multiple different banks, and they have mutual funds, bonds, stocks and other assets scattered in various locations. The Investment Advisory program will allow a person to have one account, one statement and one point of contact for a diversified, professionally managed investment portfolio.

Are the commissions high?
No transactional commissions are charged!  This program is a fee based program whereby the client account is assessed a fee based on assets under management.  The investment manager has the ability to buy, sell and rebalance a portfolio without regard to transactional commissions. 

Is the customer locked in for a specified amount of time? 
No!  The customer is free to withdraw from the program at any time.  In fact, the customer will not have any contingent deferred sales charge. 

How is this program unique?
The Investment Advisory program is fee based, not commissioned based.  In a fee based program a fee is charged based on the amount of assets under management.  The fee is not generated because an investment is purchased, nor is it generated because an investment is sold.  The typical investor, in a commission based arrangement, is charged an up-front commission to purchase an investment.  

Who do we contact for more information?
(262) 784-9090
Jim Collicott, Jr., Financial Advisor

Insurance Products are offered through BancMutual Financial & Insurance Services, Inc., a wholly owned subsidiary of Bank Mutual. Securities and advisory services offered through SII Investments, Inc., member FINRA, SIPC, a registered Investment Advisor not affiliated with BancMutual Financial & Insurance Services, Inc. or Bank Mutual. Securities, Advisory Services, and Insurance products :