Spinnaker Financial Group Account Types

As a small locally owned group, we offer many types of accounts to our clients. The most common accounts are Non-Retirement, IRA, ROTH, Trust, SIMPLE IRA, SEP IRA’s, and 401 (k).

Spinnaker Financial Services Include:

Flexible Strategies

There is no “one-size-fits-all” strategy. Your unique circumstances and personal objectives dictate the method of investing, as well as the types of vehicles chosen to help pursue them. Your Spinnaker Financial Advisor has the flexibility to offer access to the investments most appropriately aligned with your financial goals. Investments you already own can be combined with those selected by your advisor to complete your customized portfolio and help ensure the potential success of your long-term plan.

Fee-Based Guidance

Fee-based asset management allows you and your Spinnaker Financial Advisor to share a common goal—to grow the value of your assets. A long-term approach to investing, fee-based asset management ties your advisor’s compensation directly to the performance of your account. Instead of commissions, your advisor earns an annual fee based on the market value of the account. We are able to concentrate on what matters most—building an investment portfolio that seeks to address

your specific needs. As an investment advisor, LPL Financial is a fiduciary to its advisory clients and, as such, is obligated to act solely in the best interest of clients and make full and fair disclosure of a material conflicts of interest.

Brokerage Relationship

Clients typically pay a commission to LPL Financial on each transaction in the account. The amount of the commission in a brokerage relationship varies depending on the security or investment product selected by the client.

The Value of Asset Allocation

Asset allocation is at the core of how we help you. This involves spreading your investments across several asset classes—such as stocks, bonds, cash equivalents, and alternatives such as Real Estate and Commodities—to reflect your particular goals. Asset allocation allows your portfolio to participate in a variety of market sectors while potentially minimizing overall volatility. Keep in mind that asset allocation doesn’t ensure a profit or protect against loss.

The goal of a custom designed portfolio is to help achieve an optimal blend of investments tailored to your personal goals, time horizon, and risk profile. This process encompasses setting investment objectives, establishing weightings for various asset classes, choosing specific investments, and making adjustments as circumstances dictate.

Ongoing Management and Rebalancing

Portfolio rebalancing* is a critical component of our process and is essential for the long-term. Rebalancing is designed to ensure that the allocation of your assets remains in line with your stated investment objectives. Because the relative performance of various asset classes will vary, portfolios that aren’t reviewed on a regular basis tend to drift from their target allocations. A portfolio that isn’t regularly rebalanced could assume a risk/reward profile that isn’t consistent with your investment objectives. Your portfolio will be reviewed on a periodic basis, and adjusted when needed, to help maintain the optimal allocation of your investments.

*Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction cost and does not assure a profit or protect against a loss.

Socially Responsible Investing (SRI)

SRI is where a client’s investments decisions place emphasis on a company’s Environmental, Social, and Governance practices.  These are strategies that employ a Green, Sustainable, and Socially Conscious focus.

*The return may be lower than if the adviser made the decisions based solely on investment consideration. 

Hourly Consulting

Hourly Consulting is a flexible and affordable option if you are seeking sound financial guidance delivered in a deliberate, goal-oriented manner. You get as much assistance as you need, when you need it throughout your life. The more you are able to understand and manage your wealth, the more prepared you are to achieveyour goals and dreams. But managing your financial future is a complex process that involves careful consideration of your short- and long-term goals. The Hourly Consulting Program through LPL Financial provides a great method to ensure that your chosen path becomes the focus of your financial strategy.

*There is no assurance that the hourly consulting program will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.