CRS

- 2020 1st Quarter


Pension Solutions, Inc d/b/a: Adviseme National Advisors
June 15, 2020 FORM CRS
Adviseme National Advisors is registered with the Securities and Exchange Commission as an investment adviser and, as such, we provide advisory services rather than brokerage services. Brokerage and investment advisory services and fees differ and it is important for you, our client, to understand the differences. Additionally, free and simple tools are available to research firms& and financial professionals at Investor.gov/CRS, which also provides educational materials about& broker- dealers, investment advisers, and investing.  This document is a summary of the services and fees we offer to "retail" investors, which are natural persons who seek or receive services primarily for personal, family, or household purposes.

What investment services and advice can you provide me?
We offer financial planning, portfolio management, and pension consulting services to retail 
investors.  Detailed information regarding our services, fees and other disclosures can be found in our Form ADV Part 2A Items 4, 7, and  8 by clicking this link 
https://adviserinfo.sec.gov/firm/brochure/141129.

Account Monitoring:    As part of our standard service we monitor all individual accounts on an ongoing basis and the President of the firm conducts a quarterly review as well. For our managed account program Tred Avon Family Wealth, LLC provides ongoing monitoring of the asset allocation models.

Investment Authority:  We manage investment accounts on a discretionary basis whereby we will decide which investments to buy or sell for your account. You may limit our discretionary authority (for example, limiting the types of securities that can be purchased or sold for your account) by providing our firm with your restrictions and guidelines in writing. We will honor any reasonable restrictions on investing in certain securities or types of securities imposed by you in writing. We also offer non-discretionary services whereby we will provide consulting services, but you will ultimately decide which investments to buy and sell for your account. You have an unrestricted right to decline to implement any advice provided by our firm on a non-discretionary basis.

Investment Offerings:   We provide advice on various types of investments. Our services are not limited to a specific type of investment or product.

Account Minimums and Requirements:   In general, we do not require a minimum dollar amount to open and maintain an advisory account; however, we have the right to terminate your account if it falls below a minimum size which, in our sole opinion, is too small to manage effectively.


Key Questions to Ask Your Financial Professional
•   Given my financial situation, should I choose an investment advisory service? Why or Why Not?
•   How will you choose investments to recommend to me?
•   What is your relevant experience, including your licenses, education and other qualifications?
•   What do these qualifications mean?

What fees will I pay?
The following summarizes the principal fees and costs associated with engaging our firm for 
investment advisory services.  For detailed information, refer to our Form ADV Part 2A, Items 5 and 6  by clicking this link https://adviserinfo.sec.gov/firm/summary/141129.
•   Asset Based Fees - Payable quarterly in arrears. Since the fees we receive are asset-based (i.e. based on the value of your account), we have an incentive to increase your account value which creates a conflict especially for those accounts holding illiquid or hard-to-value assets.
•   Fixed Fees - Payable In arrears.

Examples of the most common fees and costs applicable to our clients are:
•   Custodian fees;
•   Account maintenance fees;
•   Fees related to mutual funds and exchange-traded funds
•   Transaction charges when purchasing or selling securities; and
•   Other product-level fees associated with your investments

You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.

Key Questions to Ask Your Financial Professional
•   Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?

•    What are your legal obligations to me when acting as my investment adviser?

•   How else does your firm make money and what conflicts of interest do you have?

•   When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Here are some examples to help you understand what this means.

•   Third-Party Payments:  Persons providing advice on behalf of our firm are also registered representatives with a broker- dealer and are licensed as independent insurance agents. These persons may receive compensation for the purchase of insurance based products such as annuities. Compensation for the sale of annuities is separate and in addition to our advisory fees. This practice presents a conflict of interest because the representatives have an incentive to recommend investment products based on the compensation received rather than solely based on your needs.

Refer to our Form ADV Part 2A by clicking this link https://adviserinfo.sec.gov/firm/summary/141129 to help you understand what conflicts exist.

Key Questions to Ask Your Financial Professional
•   How might your conflicts of interest affect me, and how will you address them? •   How do your financial professionals make money?
The financial professionals servicing your account(s) are compensated in the form of a salary. •   Do you or your financial professionals have legal or disciplinary history?
Yes.  While our firm has no disciplinary history to disclose, one or more of our financial 
professionals have a legal or regulatory matter to disclose.  For a free and simple search tool to research firms and financial professionals, visit Investor.gov/CRS.

 

Key Questions to Ask Your Financial Professional
•   As a financial professional, do you have any disciplinary history? For what type of conduct?

You can find additional information about your investment advisory services and request a copy of the relationship summary at 216-595-0800 or click the link https://pa401k.com.


Key Questions to Ask Your Financial Professional
•   Who is my primary contact person?
•   Is he or she a representative of an investment adviser or a broker-dealer?
•   Who can I talk to if I have concerns about how this person is treating me?


Questions? Fill out the form below:

Fill out my online form.

Latest Updates & Information

2nd Qtr Market Insights Call

2nd Qtr Market Insights Call

Watch video here

CRS

Adviseme National Advisors is registered with the Securities and Exchange Commission as an investment adviser and, as such, we provide advisory services rather than brokerage services. Brokerage and investment advisory services and fees differ and it is important for you, our client, to understand the differences. Read Full CRS Here.

Read full story here

1st Qtr Market Insights Call

1st Qtr Market Insights Call

Watch video here

4th Qtr Market Insights

4th Qtr Market Insights

Watch video here