Frequently Asked Questions
We manage stock, bond, and income producing REIT portfolios for our clients.
Are you an investment manager or a financial planner?
Both! We believe for our clients to be succesful, we need to provide both superior portfolio management as well as holistic financial planning services. We begin by utilizing robust software to create a financial plan for our clients encompassing all household assets both under management at Pavlic and held elsewhere in 401k’s and 529’s, for example. We continuously montior each client’s financial plan to make sure the client is on track to meet their financial goals.
We are also laser focused on driving superior investment performance by investing in direct stocks and bonds thereby avoiding high expense ratio mutual fund fees. We are big believers in owning quality companies that will stand the test of time through any market environment. Together we bring 50+ years of investing experience and we invest our own capital alongside our clients to ensure our interests are perfectly aligned.
We view our clients as Business Partners, not Customers.
How much do your services cost?
Our fee is structured so that we do better when our clients do better. We charge one all-inclusive transparent quarterly fee of 0.25% of assets under management for our investment management and holistic financial advice. We have no hidden fees, no trailing fees, and no trading commissions.
Unlike many other investment advisors, we shy away from investing our client’s capital in high expense ratio mutual funds or other high-cost commission-based products. Our clients are not charged an additional assets under custody fee from our primary custodian—Charles Schwab.
Where are my investments held?
While Pavlic Investment Advisors maintains full discretion on the assets held in your account, we have partnered with Charles Schwab as our primary custodian to provide custody services with no assets under custody fees. Charles Schwab offers clients the very best technology at their fingertips while also maintaining record keeping and cost basis information for tax purposes. Having an independent third-party custodian offers protection for both our business and our clients.
What is the CFA Designation?
“CFA” stands for Chartered Financial Analyst. The CFA is the preeminent designation for investment management professionals around the world who focus on individual stock and bond specific security analysis. The curriculum is rigorous and requires over 300 hours of preparation to pass three levels of exams. The pass rate for all three levels of the exam is ~11% for those that sit for the first level. For more information, visit www.cfainstitute.org.
How often will I receive updates from Pavlic Investment Advisors?
We send statements every quarter along with our detailed market outlook letter. Communication is paramount especially during times of market volatility, and we find quarterly meetings to be the most optimal cadence. Often times our biggest value-add comes during times of market duress during which our communication increases. We are easily reachable by phone, video call, or in-person meetings at our Delafield offices.
What are your minimum balances?
Our target household minimum is $300,000 of investable assets across all accounts. However, under certain circumstances, the total account size may be lower depending on the nature of the relationship.
Is public information about your firm available?
Yes. The SEC’s website, www.adviserinfo.sec.gov, provides background information about all advisory firms that are state and federally registered. Information about our services, clientele, registrations, and ownership is available for your review.
Invest With Us
We would love to start a conversation with you to see how we can help.