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McKenzie Legal & Financial is uniquely qualified to help you develop your investment strategies and provide overall financial and investment advice. Our founder, Thomas L. McKenzie, who was selected as a 2011, 2012, 2019, 2020, 2021 and 2022 “Five Star Wealth Manager Award Winner,” has over 20 years of professional experience as a financial advisor. Mr. McKenzie can analyze your current portfolio and assess your risk tolerance by means of an objective analysis as well as a thorough review of your financial goals and timelines. We can help with the following:

Developing Your Investment Strategies

* Your proposed portfolio model will be selected, taking into consideration time horizons until the funds are needed, your risk tolerance, and the coordination of your tax-deferred and taxable assets.

* Your portfolio allocation balance is monitored regularly to ensure that it remains in line with the stated objectives. The performance of your account is also monitored continuously, rebalanced (if needed), and reviewed personally with you on at least an annual basis, or more often, if you desire.

* As a fully independent financial advisor, Mr. McKenzie is not restricted to any investment product or service, and works exclusively for the benefit of his clients. In fact, he has a legal fiduciary obligation to act in each clients best interests. We care deeply about helping our investors achieve their goals and objectives, and endeavor to provide them with the highest-quality service and guidance.

Advisory Account Features and Advantages

Our advisory services offer a number of standard and optional features and advantages:

  • An account valuation and activity report published periodically by Pershing LLC.
  • A quarterly Investment Summary Report highlighting allocation and fund changes, by Pershing LLC.
  • Convenient access to your account online or by telephone.
  • Optional cash management features, including check writing and MasterCard services.
  • Direct access to your professional advisor, available for consultations at your discretion.
  • Consolidation of investments for easier management and simplified record-keeping.
  • Access to thousands of mutual funds, many of which are no-load.
  • Expert assistance with estate, title and beneficiary issues from Thomas L. McKenzie, JD who is a California Licensed Estate Planning and Elder Law Attorney.

For Qualified Accounts (IRAs, etc.)

  • Periodic current year contributions and distributions can be established via the no-fee ACH system for IRAs and education savings accounts.
  • Required minimum distribution calculations and year-to-date withdrawals are provided to individual investors on their brokerage account statements.
  • Rollover IRA services are available for qualified distributions from qualified plans, 403(b) arrangements, and 457(b) plans.

Portfolio Management Fees

Although fees are based upon those arrived at through mutual agreement between Thomas L. McKenzie and the client, generally, fees for portfolio management range from between 1% and 1.5% of assets under management.

Program Objectives

We strive to produce returns for our clients that are higher than returns from guaranteed interest or fixed-income sources. We seek to produce above-average returns at below-average risk using a combination of management strategies such as Asset Allocation, Sector Rotation and Defensive Strategies in uncertain markets. Please remember, however, that when investing in market securities, there are not guarantees regarding rates of return, and also past performance is no guarantee of future results.

Asset Allocation consists of combining several different types of investments in a single portfolio suitable for your risk tolerance and objectives. Investments in the stock market are usually classified by the capitalization of the underlying securities (large-cap, mid-cap and small-cap) and/or by the geographic location of the underlying companies (domestic and foreign). The main advantage of asset allocation is that it provides broad diversification.

Depending upon your risk tolerance and objectives, Sector Rotation may be employed. Specialty sector mutual funds concentrate their investments in a particular industry or in a single market index. The main advantage of sector rotation is that it permits us to overweight the more attractive sectors of the market in our portfolios.

Defensive Strategy consists of using an asset allocation that we feel best fits the market environment. We think the long-term success of an investment program hinges on controlling risk during bear markets. In the investment equation, we believe risk control is more important than gain potential.

Platinum Club Membership

Do you have a comprehensive and coordinated financial and estate plan? Our Platinum Club members do!

Our Platinum Club is a member-only club of clients who receive BOTH estate planning and financial advisory services from our firm. We believe this provides substantial and ongoing benefits to our clients.

Members of the Platinum Club will enjoy many benefits they will not likely receive anywhere else. For example, Platinum Club members receive discounted (or even free) legal services throughout their membership. Children, relatives and friends of members may also receive discounted legal services. Members will receive ongoing financial and legal advice on a regular basis (at minimum, annually or semi-annually). Platinum Club members will have regular access to Thomas L. McKenzie, Attorney at Law, in the event that they have important questions regarding their financial or estate plans. And, all benefits of membership are included in the low annual investment advisory fee, which is similar to the fee you would pay a bank or brokerage firm for investment advisory services, alone.

In other words, if you wish to establish a fee-only investment advisory account to receive professional investment advice and services, you can either pay a financial advisor, bank and brokerage firm an annual fee for ongoing investment advice, or you can pay a similar amount in fees to our firm, and you will receive all of the additional benefits of being a Platinum Club member, without additional charges.

Finally, there is the convenience of receiving your estate planning and financial services at one location from one person. This will cut down on the time you need to spend on your planning needs, the costs of retaining multiple professionals services and provide for more efficient management of your overall plan.

Click here to download more information about the Platinum Club.

Call us today at (562) 526-6941 for your 30-minute consultation to see how we can help grow and protect your estate.

Thomas L. McKenzie, JD
Attorney / Investment Advisor Representative
CA Ins. Lic. #0B36486
2631 Copa De Oro Drive
Los Alamitos, CA 90720
Phone: (562) 526-6941
Fax: 562-394-9512
CA Ins. Lic. #0B36486

Corporate Relationships

Brokerage and Registered Investment Advisory services provided by, and securities offered through:

Independent Financial Group, LLC
12671 High Bluff Drive, Suite 200
San Diego, CA 92130
(800) 269-1903

Clearing services provided by:

Pershing LLC
World Headquarters
One Pershing Plaza, Jersey City, New Jersey 07399

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