Business Description
I am a fiduciary and not a broker, this allows me to put my clients' best interests first. After creating an Investment Policy Statement (IPS) for clients, my goal is to assign several of the 26 investment programs we have developed to managing their portfolios with an eye to performing well relative to benchmarks with less risk through bull and bear markets. Please remember though, past performance is no guarantee of future results. Also, I am not a Certified Financial Planner (CFP).
General Information Gender:    Male CRD#:    1248803 Firm CRD#:    117102 Name of Custodial Firm:    Fidelity Investments States Licensed in:    CA, DC, MD, VA, WI. States Willing to do Business in:    Any and all. Also have clients in Europe. Years of Experience in Financial Services:    29 Number of Years with Current Firm:    19 Work Experience:    I have been with T/R since I founded it in 1992. Prior to that I was a Chief Financial Officer of several companies as well as a broker at a brokerage firm. I work with the following types of clients:    Businesses, Individual Investors Foreign Languages Serviced:    French, some German
Education Academic Background   MBA, Finance & Investments Bachelor of Arts, Philosophy Baccalaureat, Economics
Services Investment Types:    Annuities, Stocks, Bonds, Options, Exchange Traded Funds (ETFs), Alternative Investments
Qualifications & Memberships Certifications, Accreditations & Designations:    MBA Securities Licenses:    Series 63 Financial Organization Memberships:    Paladin Registry
Firm Information Number of Advisors in Office:    Up to 10 employees I work with clients as part of a team:    Yes Firm's Number of Clients:    80 Firm's Number of Managed Clients:    80 Assets Managed by Firm:    $12,000,000 Advisor's Number of Clients:    70 Advisor's Number of Managed Clients:    70 Assets Managed by Advisor:    $10,000,000
Compliance Investment Advisor Representative:    Yes I am an acknowledged fiduciary:    Yes Compliance Disclosures in Last 5 years:    I have a clean record Criminal Disclosures in Last 5 years:    I have a clean record
Compensation & Fees Fee Structure:    I am a fee-only financial professional Minimum Portfolio Size for New Managed Accounts:    $100,000 Compensation Methods:    Based on Assets Fee % Based on Assets:    0.5% to 3% Additional Details on Charges:    Asset-based fees are: 3.00% per annum on balances under $100,000, plus 2.50% per annum on balances between $100,000 and $500,000, plus 1.25% per annum on balances over $500,000 All fees are negotiable.
Prepared By:	Peter Timmons

Frequently Asked Questions

Q.	Do you have a customer satisfaction or refund policy?

Q.	What services do you provide? What are your specialties?

Q.	What is your experience? How many clients do you currently manage?

Q.	What financial institution(s) do you represent?

Q.	How do you charge for your services?

Q.	Do you provide a free initial consultation?

Q.	Why should I choose you as my financial advisor?

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Q.	Do you have a customer satisfaction or refund policy?
Absolutely! We will gladly refund the latest fees paid to us upon request.

Q.	What services do you provide? What are your specialties?
We are not financial planners or Certified Financial Planners (CFPs). We have similar tools at our disposition which create a much targeted evaluation of a client's financial situation rather than the 100 or so pages that planners print out. We manage investment accounts for clients using stocks, bonds, mutual funds, ETFs, etc.

Q.	What is your experience? How many clients do you currently manage?
I have about 70 clients and have been in business since 1992. I have worked in finance and investments since 1982. including being a broker (they now call themselves financial advisors too) with a brokerage firm.

Q.	What financial institution(s) do you represent?
I only represent the company of which I am president: T/R Financial Management Group, LLC. Our clients have accounts mostly at Fidelity Investments, which acts as the broker, is independent and provides clients with monthly statements.

Q.	How do you charge for your services?
We are only compensated for managing portfolios. For those we receive a fee based upon the value of the portfolio. We do not charge hourly fees, set fees or minimum fees.

Q.	Do you provide a free initial consultation?
Yes. Absolutely. It is necessary to find out if there is a good fit.

Q.	Why should I choose you as my financial advisor?
I lead a comprehensive team that develops, implements and monitors custom investment strategies for people (for small business owners, for …) to achieve their family’s long-term goals.