INTRODUCTION
Perryman Financial Advisory, Inc. (herein referred to as “Perryman Financial,” “Firm,” “we,” “our,” “us”)
is a Registered Investment Advisory firm registered with the U.S. Securities and Exchange Commission
(“SEC”) since December 23, 1994. We are noticed filed in various states and conduct business in other
states by claiming an exemption from registration. Our registration as an Investment Adviser does not
imply any level of skill or training. The oral and written communications we provide you with, including
this Brochure, is information you can use to evaluate us and other advisers, which are factors in your
decision to hire us or to continue to maintain a mutually beneficial relationship. This Brochure provides
information about our qualifications and business practices.
OWNERSHIP
William D. Perryman is President, Secretary, and Treasurer and Jimmy S. Perryman is the Chief
Compliance Officer and Jennifer Grant is the Assistant Compliance Officer. William D. Perryman, Debra
Keitzer-Outlaw, and Jimmy S. Perryman are the shareholders of Perryman Financial Advisory, Inc.
ADVISORY SERVICES OFFERED
Perryman Financial is an investment advisory firm providing:
• Portfolio Management
• Financial Planning and Analysis Services
• Retirement Plan Services
Our Firm offers an array of advisory services designed to address the major areas of personal financial
management including, but not limited to, investment management, estate planning, tax-reduction
and cash flow strategies, and insurance planning.
Our service constitutes an ongoing process by
which:
a) Your investment objectives, constraints and preferences are identified and specified.
b) Your strategies are developed and implemented through a combination of financial assets.
c) Capital market conditions and your circumstances are monitored; and
d) Portfolio adjustments are made as appropriate to reflect significant changes to any or all of
the above
relevant variables.
Portfolios can consist of individual stocks and bonds, options, ETF’s, mutual funds, private placements,
hedge funds, and a combination of all investment vehicles. We also provide advice on interests in
partnerships or other alternative investments.
PORTFOLIO MANAGEMENT AND CONSULTING SERVICES:
We provide portfolio management services on either a discretionary or non-discretionary basis. Our
portfolio management program is designed to provide individuals, trusts, corporations and retirement
plans with the appropriate asset allocation, diversification and risk characteristics consistent with
prudent portfolio management.
On a discretionary basis, we design, revise and reallocate a custom portfolio for you. The investments
are determined based upon your investment objectives, risk tolerance, net worth, net income, age,
investment time horizon, tax situation and other various suitability factors.
On a non-discretionary basis, we provide periodic recommendations to you and if such
recommendations are approved, we will ensure that the authorized recommendations are carried out.
Our investment management program consists of four primary components:
1. Investment Policy Review – We discuss with you such topics as investment objectives, risk tolerance,
and liquidity needs. From the results of this assessment, we create an investment policy statement,
which serves as the guide for measuring volatility and performance.
2. Asset Allocation - Based on the result of the investment policy review, we allocate investment dollars
between equity and fixed-income assets. This allocation is adjusted from time to time, depending on
changes in your personal situation and/or investment performance.
3. Investment Selection - At the conclusion of steps (1) and (2) above, we recommend an initial group
of assets for investment. Typically, this will include a list of no-load mutual funds and/or individual
securities selected under our proprietary criteria. This initial group of assets could include the use of
individual bonds or stocks, or the retention of assets currently owned by you.
4. Management - Once your portfolio is in place, we will monitor the performance of the overall
account as well as the performance of each individual asset or mutual fund. From time to time, we will
recommend and implement changes to the portfolio.
We provide continuous evaluation of the portfolio in terms of risk, rate of return, asset allocation and
diversification. We monitor the account for possible repositioning and from time-to-time replace
selected mutual funds and/or other assets with similar investment characteristics or alternate ones
based on our analysis of the account, your circumstances and
the financial markets.
Custody of client accounts for both securities and funds will be maintained at TD Ameritrade, Inc.,
Schwab Institutional, a division of Charles Schwab & Co., Inc. or another custodian selected. Neither
the Firm nor its advisory agents are affiliates of Schwab or TD Ameritrade.
Assets Under Management as of 12/31/2023:
Total Discretionary AUM- $570,275,000
Total Non-Discretionary AUM- $ 0.00
We do not sponsor or act as a portfolio manager for any wrap fee programs.
FINANCIAL PLANNING SERVICES:
Recognizing that each Client is unique, we offer financial planning services and comprehensive
financial plans.
Our financial planning services can include an analysis on only isolated area(s) of your financial affairs
such as estate planning, retirement planning, any other specific topic or any other investment and
financial concerns that you have.
We also provide advice in the form of a comprehensive Financial Plan. If you purchase this service, you
may receive a written report or review an interactive financial planning model within our planning
software, providing a detailed financial plan designed to achieve your stated goals and objectives.
We will also provide you with the opportunity to be active in the plan preparation by providing
information we need. Our Financial Plans will address any or all of the following areas of concern:
• Personal: Family records, budgeting, personal liability, estate information and financial goals.
• Tax & Cash Flow: Income tax and spending analysis and planning for past, current and future
years.
• Death & Disability: Cash needs at death, income needs of surviving dependents, estate
planning,
and disability income analysis.
• Retirement: Analysis of your current strategies and investment plans to help you achieve your
retirement goals.
• Investments: Analysis of investment alternatives and their effect on your portfolio.
• Estate: Analysis of financial issues with respect to living trusts, wills, estate tax, powers of
attorney,
asset protection plans, nursing homes, Medicaid and elder law.
• Insurance: Review of existing policies to ensure proper coverage for life, health, disability, long
term care, liability, home and automotive.
We gather the required information through in-depth personal interviews. Information gathered
includes a current financial status, future goals and attitudes towards risk. Related documents supplied
by you and a completed questionnaire are carefully reviewed and a report is prepared.
Implementation of the prepared plan or recommendations is solely at your discretion, and you will also
determine how you want to implement the plan or recommendations. We encourage you to utilize
any desired professional or group of professionals to assist in the implementation.
OTHER PRODUCTS AND SERVICES:
RETIREMENT PLAN SERVICES-
In situations where we recommend the establishment of a company-sponsored retirement plan, we
will evaluate both short-term and long-term needs. After such an assessment, we will propose the use
of a plan administration firm and propose one or more investment managers for plan assets. We
recommend the use of our own proprietary management program.
All administration services and investment management services will be provided on a fully disclosed
basis. Prior to any engagement, we will receive in writing a schedule of all charges to be assessed to
the company and/or plan assets and review this with you.
ALTERNATIVE INVESTMENTS-
Recommendations made to you to invest in alternative investments would be suitable for your stated
investment goals, risk temperament, and investment objectives. The alternative investments can range
from short term to long term investment vehicles that have various investment objectives including
revenue from the production of natural gas and/oil associated with those oil & gas royalty interests
acquired for the fund, real estate interests, structured notes etc. Our Firm has no affiliation with the
issuers. Additional information for suggested alternative investments including a discussion of certain
significant risks of investing will be disclosed in the related Private Placement Memorandum. Qualified
persons should read the Memorandum carefully before investing.
INSURANCE SERVICES-
Our Firm is also a licensed insurance agency appointed by various life, health and disability insurance
companies. We sell insurance products to our clients in need of insurance. Insurance services are
separate and distinct from the portfolio management, financial planning and other services provided.
You are under no obligation to purchase insurance products through our company.