Broker Check


What's on Your Mind?

  • What investment services and advice can you provide me?

    Registered Investment Adviser [“IA”] is an entity which an Investment Adviser Representative [“IAR”], for compensation, engages in the business of advising others, either directly or through publications or writings, as to the value of securities or as to the advisability of investing in, purchasing, or selling securities, or who, for compensation and as part of a regular business, issues or promulgates analyses or reports concerning securities.

  • Investment Advisory Services

    In contrast with a brokerage account, where you generally pay a commission on a transaction basis, with an advisory or “managed,” account, you pay a fee that is typically based on a percentage of the value of the assets in your account. IFP’s suite of investment advisory services are designed to accommodate a wide range of client investment philosophies and objectives. Our FPs may act on a [i] discretionary basis – having your written authorization to make investment decisions to buy, sell, or hold securities in your account in accordance with your financial situation, needs and investment objective(s), or [ii] non-discretionary basis – offering advice and recommendations to buy, sell, or hold securities, but where you make the final investment decisions. Such services are generally not structured at the firm-level and are put into place by agreement between you and the FP. The services are between you and the FP, but generally cover the FP being able to trade in your account without discussing such activity with you in advance. Think carefully if you want the FP to have trading discretion as you might not always be happy with the resulting transactions, but by granting trading discretion, you forego the right to approve transactions in advance. IFP allows FPs to offer clients several managed account investment options, including unaffiliated TPAM services. FPs and IFP monitor your advisory accounts, assess your portfolio, and make investment recommendations/decisions as may be warranted by trends in the financial markets, changes in the economy and changes in your investment objectives, risk tolerance and financial situation. Such monitoring occurs periodically taking a risk-based approach, based upon flagging transactions and account activity. Material limitations including the adequacy of any transaction supervision systems used and limited resources to be able to give thorough attention to any particular account or transaction when taking a risk-based review approach. IFP does not have any financial requirements for retail investors to open or maintain an account or establish a relationship, such as minimum account size or investment amount; various compliance requirements exist such as obtaining government-issued identification, etc. While IFP does not require a minimum account size, we suggest that you invest at least $100,000 in an investment advisory account. TPAMs generally have account minimum requirements that will vary from manager-to-manager. A complete description of the TPAM’s services, fee schedules & account minimums will be disclosed in the TPAM’s ADV disclosure brochure or Wrap Fee brochure that must be provided to you at the time you sign an agreement for services and the account is established.

  • Financial Planning and Consulting Services

    Financial planning can be described as helping you determine & set your long-term financial goals through investments, tax planning, asset allocation, risk management, retirement planning, etc. We offer advisory services by comprehensive and segmented/modular-based financial plans. These services do not by themselves involve actively managing your accounts. Unless engaged IFP in a continuous and regular [ongoing] investment advisory capacity, our FPs do not monitor your account. The fees assessed for financial planning and consulting services may be hourly, flat, or ongoing monthly [subscription] fees. Education keeps your FP abreast of relevant investment information and ideas. Through conferences, seminars & online training opportunities, we and our product providers (e.g., mutual fund, insurance companies, etc.) help keep your FP stay abreast of the ever-changing financial industry to enhance the quality of recommendations to you. It is important to understand how your FP can provide services and/or what limitations they may have.

  • What fees will I pay?

    Fees vary depending on the types of services provided and the capacity in which you have engaged your FP. You will pay fees/costs whether you make or lose money. Fees/costs will reduce the amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. Brokerage Service Fees: Such fees are transaction-based charges or commissions. For example, there are several different share classes of mutual funds, and each comes with different sales charges and expenses. They also charge internal costs to the investment in addition to our transaction costs/fees. This information is provided to you in various methods, including, but not limited to, prospectuses, agreements, offering documents, etc. Please ask your FP to explain fees, costs & limitations (such as investment amounts) relevant to the services they are providing and the investments you are purchasing. Certain products such as private placements, REITS & variable annuities/insurance generally have higher commissions and there is a conflict of interest for FPs because they have a greater incentive to sell them to earn more money. Please ask your FP why any products are in your best interest. Investment Advisory Fees: The fees for these services are generally a percentage of the value of your account. The fees vary by FP. The maximum fee allowed is 2.5% of the value of your account, but the maximum recommended fee is not to exceed 1.5%. In situations where there is a percentage fee that also includes the transaction and account charges (“Wrap accounts”), the fee tends to be higher, which also creates a conflict of interest to trade your account less. BD & IA accounts are also charged retirement plan fees, custodial fees, asset movement fees, account transfer fees & other fees based upon account activity & additional services you may elect.

  • Is there a minimum to open an investment account with your firm?

    There is no minimum amount. You can start investing in your future today!

  • It’s difficult for me to make in office appointments. Do you offer phone or video call appointments?

    Absolutely! At Kimmel Financial Advisors, we want to make every interaction work for you! We offer phone appointments, zoom calls, and accommodations for special circumstances. Contact our office to schedule your appointment in the format of your preference!

    Phone: 602-788-0903

  • Why should I hire a financial advisor? Could I manage my own portfolio?

    One thing we all need that cannot get enough of is time. Managing your money and investing in your future along with all your day to day activities takes time. Our firm commits to frequently investigating ways we can make your money work for you so you can invest more of your time in doing things you love and enjoy. You have our professional, expert services whenever you have questions.

  • How often will we review my portfolio?

    You will review your accounts with your investment professional 4 times per year at minimum. Additional appointments can be made per request.

  • How can I access my account online?

    You have 24/7 access to your Pershing accounts. This is an intuitive investor platform that gives you instant access to your accounts, tax statements, trade confirmations, and so much more!

  • Where can I securely transfer files to your firm?

    Our firm has a secure way for you to transfer and store documents for your investor to view.