Our firm is dedicated to providing individuals and other types of clients with a wide array of
investment advisory services. Our firm is a corporation formed under the laws of the State of
Delaware in 2016 and has been in business as an investment adviser since that time. Our firm is
wholly owned by the Benjamin M. Altman Trust.
Our firm provides asset management and investment consulting services for many different
types of clients to help meet their financial goals while remaining sensitive to risk tolerance and
time horizons. As a fiduciary, it is our duty to always act in the client’s best interest. This is
accomplished in part by knowing the client. Our firm has established a service-oriented advisory
practice with open lines of communication. Working with clients to understand their investment
objectives while educating them about our process, facilitates the kind of working relationship
we value.
Types of Advisory Services Offered.
Information about our portfolio management services is available in our Wrap Fee Program
Brochure (Form ADV Part 2A, Appendix 1).
Financial Planning & Consulting:
Our firm provides a variety of standalone financial planning and consulting services to
clients for the management of financial resources based upon an analysis of current
situation, goals, and objectives. Financial planning services will typically involve
preparing a financial plan or rendering a financial consultation for clients based on the
client’s financial goals and objectives. This planning or consulting may encompass
Investment Planning, Retirement Planning, Estate Planning, Charitable Planning,
Education Planning, Corporate and Personal Tax Planning, Cost Segregation Study,
Corporate Structure, Real Estate Analysis, Mortgage/Debt Analysis, Insurance Analysis,
Lines of Credit Evaluation, or Business and Personal Financial Planning. Written financial
plans or financial consultations rendered to clients usually include general
recommendations for a course of activity or specific actions to be taken by the clients.
Implementation of the recommendations will be at the discretion of the client. Our firm
provides clients with a summary of their financial situation, and observations for financial
planning engagements. Financial consultations are not typically accompanied by a
written summary of observations and recommendations, as the process is less formal
than the planning service. Assuming that all the information and documents requested
from the client are provided promptly, plans or consultations are typically completed
within 6 months of the client signing a contract with our firm.
Combined Disclosure Document Page 7 Altman Advisors, Inc.
Retirement Plan Consulting:
Our firm provides retirement plan consulting services to employer plan sponsors on an
ongoing basis. Generally, such consulting services consist of assisting employer plan
sponsors in establishing, monitoring and reviewing their company's participant-directed
retirement plan. As the needs of the plan sponsor dictate, areas of advising could include:
investment options,
plan structure and participant education. Retirement Plan
Consulting services typically include:
• Establishing an Investment Policy Statement – Our firm will assist in the
development a statement that summarizes the investment goals and objectives along
with the broad strategies to be employed to meet the objectives.
• Investment Options – Our firm will work with the Plan Sponsor to evaluate existing
investment options and make recommendations for appropriate changes.
• Asset Allocation and Portfolio Construction – Our firm will develop strategic asset
allocation models to aid Participants in developing strategies to meet their
investment objectives, time horizon, financial situation and tolerance for risk.
• Investment Monitoring – Our firm will monitor the performance of the investments
and notify the client in the event of over/underperformance and in times of market
volatility.
In providing services for retirement plan consulting, our firm does not provide any
advisory services with respect to the following types of assets: employer securities, real
estate (excluding real estate funds and publicly traded REITS), participant loans, non-
publicly traded securities or assets, other illiquid investments, or brokerage window
programs (collectively, “Excluded Assets”). All retirement plan consulting services shall
be in compliance with the applicable state laws regulating retirement consulting services.
This applies to client accounts that are retirement or other employee benefit plans
(“Plan”) governed by the Employee Retirement Income Security Act of 1974, as amended
(“ERISA”). If the client accounts are part of a Plan, and our firm accepts appointment to
provide services to such accounts, our firm acknowledges its fiduciary standard within
the meaning of Section 3(21) of ERISA as designated by the Retirement Plan Consulting
Agreement with respect to the provision of services described therein.
Tailoring of Advisory Services.
Our firm offers individualized investment advice to our Portfolio Management clients.
General investment advice will be offered to our Financial Planning & Consulting and
Retirement Plan Consulting clients. Each Comprehensive Portfolio Management client has the
opportunity to place reasonable restrictions on the types of investments to be held in the
portfolio. Restrictions on investments in certain securities or types of securities may not be
possible due to the level of difficulty this would entail in managing the account.
Combined Disclosure Document Page 8 Altman Advisors, Inc.
Participation in Wrap Fee Programs.
As previously mentioned, our firm offers a wrap fee program as further described in Part 2A,
Appendix 1 (the “Wrap Fee Program Brochure”). Our firm only manages assets on a Wrap Fee
basis. All accounts are managed on an individualized basis according to the client’s
investment objectives, financial goals, risk tolerance, etc.
Regulatory Assets Under Management.
As of March 31, 2024, our firm manages $372,893,993 in discretionary assets under
management.