Our firm is dedicated to providing individuals and other types of clients with a wide array of
investment advisory services. Our firm is a corporation formed under the laws of the State of Indiana
in 2002 and has been in business as an investment adviser since 2016. Our firm is owned by John
Hurlow and Michael Carson.
Our firm provides asset management and investment consulting services for many different types of
clients to help meet their financial goals while remaining sensitive to risk tolerance and time
horizons. As a fiduciary it is our duty to always act in the client’s best interest. This is accomplished
in part by knowing the client. Our firm has established a service-oriented advisory practice with open
lines of communication. Working with clients to understand their investment objectives while
educating them about our process, facilitates the kind of working relationship we value.
Types of Advisory Services Offered
Comprehensive Portfolio Management:
As part of our Comprehensive Portfolio Management service clients will be provided asset
management and financial planning or consulting services. This service is designed to assist clients
in meeting their financial goals through the use of a financial plan or consultation. Our firm conducts
client meetings to understand their current financial situation, existing resources, financial goals, and
tolerance for risk. Based on what is learned, an investment approach is presented to the client,
consisting of individual stocks, bonds, ETFs, options, fee based variable annuities, mutual funds and
other public and private securities or investments. Once the appropriate portfolio has been
determined, portfolios are continuously and regularly monitored, and if necessary, rebalanced based
upon the client’s individual needs, stated goals and objectives. Upon client request, our firm provides
a summary of observations and recommendations for the planning or consulting aspects of this
service.
Financial Planning & Consulting:
Our firm provides a variety of standalone financial planning and consulting services to clients for the
management of financial resources based upon an analysis of current situation, goals, and objectives.
Financial planning services will typically involve preparing a financial plan or rendering a financial
consultation for clients based on the client’s financial goals and objectives. This planning or
consulting may encompass Investment Planning, Retirement Planning, Estate Planning, Charitable
Planning, Education Planning, Corporate and Personal Tax Planning, Cost Segregation Study,
Corporate Structure, Real Estate Analysis, Mortgage/Debt Analysis, Insurance Analysis, Lines of
Credit Evaluation, or Business and Personal Financial Planning.
Written financial plans or financial consultations rendered to clients usually include general
recommendations for a course of activity or specific actions to be taken by the clients.
Implementation of the recommendations will be at the discretion of the client. Our firm provides
clients with a summary of their financial situation, and observations for financial planning
engagements. Financial consultations are not typically accompanied by a written summary of
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observations and recommendations, as the process is less formal than the planning service. Assuming
that all the information and documents requested from the client are provided promptly, plans or
consultations are typically completed within six (6) months of the client signing a contract with our
firm.
Asset Management:
Asset Management Services are only offered on a legacy basis or to Financial Planning clients who do
not meet the minimum threshold for the Comprehensive Portfolio Management Services but still wish
to have their assets managed by our firm. As part of this service, a portfolio is created, consisting of
individual stocks, bonds, exchange traded funds (“ETFs”), options, fee based variable annuities, mutual
funds and other public and private securities or investments. The client’s individual investment strategy
is tailored to their specific needs and may include some or all of the previously mentioned securities.
Portfolios will be designed to meet a particular investment goal, determined to be suitable to the client’s
circumstances. Once the appropriate portfolio has been determined, portfolios are continuously and
regularly monitored, and if necessary, rebalanced based upon the client’s individual needs, stated goals
and objectives.
Third
Party Money Managers:
In certain instances our firm utilizes the sub-advisory services of a third party investment advisory
firm or individual advisor to aid in the management of a portion of our client’s assets as part of our
broader portfolio management process. Before selecting a firm or individual, our firm will ensure
that the chosen party is properly licensed or registered. Our firm will not offer advice on any specific
securities or other investments in connection with this service. We will provide initial due diligence on
third party money managers and ongoing reviews of their management of client accounts. In order to
assist in the selection of a third party money manager, our firm will gather client information pertaining
to financial situation, investment objectives, and reasonable restrictions to be imposed upon the
management of the account.
Our firm will periodically review third party money manager reports provided to the client at least
annually. Our firm will contact clients from time to time in order to review their financial situation
and objectives; communicate information to third party money managers as warranted; and, assist
the client in understanding and evaluating the services provided by the third party money manager.
Clients will be expected to notify our firm of any changes in their financial situation, investment
objectives, or account restrictions that could affect their financial standing.
Retirement Plan Consulting:
Our firm provides retirement plan consulting services to employer plan sponsors on an ongoing
basis. Generally, such consulting services consist of assisting employer plan sponsors in establishing,
monitoring and reviewing their company's participant-directed retirement plan. As the needs of the
plan sponsor dictate, areas of advising could include: investment options, plan structure and
participant education.
Retirement Plan Consulting services typically include:
• Establishing an Investment Policy Statement – Our firm will assist in the development a
statement that summarizes the investment goals and objectives along with the broad
strategies to be employed to meet the objectives.
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• Investment Options – Our firm will work with the Plan Sponsor to evaluate existing
investment options and make recommendations for appropriate changes.
• Investment Monitoring – Our firm will monitor the performance of the investments and
notify the client in the event of over/underperformance and in times of market volatility.
In providing services for retirement plan consulting, our firm does not provide any advisory services
with respect to the following types of assets: employer securities, real estate (excluding real estate
funds and publicly traded REITS), participant loans, non-publicly traded securities or assets, other
illiquid investments, or brokerage window programs (collectively, “Excluded Assets”).
All retirement plan consulting services shall be in compliance with the applicable state laws
regulating retirement consulting services. This applies to client accounts that are retirement or other
employee benefit plans (“Plan”) governed by the Employee Retirement Income Security Act of 1974,
as amended (“ERISA”). If the client accounts are part of a Plan, and our firm accept appointments to
provide services to such accounts, our firm acknowledges its fiduciary standard within the meaning
of Section 3(21) of ERISA as designated by the Retirement Plan Consulting Agreement with respect
to the provision of services described therein.
Tailoring of Advisory Services
Our firm offers individualized investment advice to our Comprehensive Portfolio Management
clients. General investment advice will be offered to our Financial Planning & Consulting and
Retirement Plan Consulting clients.
Each Comprehensive Portfolio Management client has the opportunity to place reasonable restrictions
on the types of investments to be held in the portfolio. Restrictions on investments in certain securities
or types of securities may not be possible due to the level of difficulty this would entail in managing
the account.
Participation in Wrap Fee Programs
Our firm does not offer or sponsor a wrap fee program.
Regulatory Assets Under Management
As of December 31, 2023, our firm manages $478,360,249 on a discretionary basis and $81,501,015
on a non-discretionary basis for a total of $559,861,264 in assets under management.
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