Questions to ask a Financial Advisor

How are you compensated? Fee, Commission or both?
BRAM:  100% Fee Only

Where do you custody your client assets?
BRAM:  Charles Schwab

Are you a "Rated" Advisor?
BRAM:  Yes

Do you have independent, verifed performance results?
BRAM:  Yes

Have you ever been sanctioned by a regulatory board?
BRAM:  No

How long have you been in the industry?
BRAM:  15 years

What education levels or certifications do you hold?
BRAM:  CPA, AWMA, MBA, BA, AIS

Do you accept Fiduciary responsibility?
BRAM:  Yes

What is your investment Philosophy?
BRAM:  BirdRock has a Value philosophy

Do you have a form ADV that I can review?
BRAM:  Yes

Do you use no load mutual funds in your portfolio?
BRAM:  Yes

Do you sell insurance based products or annuities?
BRAM:  No

  
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