A. Description of the Advisory Firm
Mokosak Advisory Group, LLC (hereinafter “Mokosak Advisory Group”) is a Limited Liability
Company organized in the State of Iowa. The Firm was formed in November 2008 and is owned
by Richard Frank Mokosak and Ryan Page. The Firm has registered as an investment adviser
with the SEC effective April 7, 2017. The Firm is a fiduciary and is required to always act in a client’s
best interest. Using a proprietary process, Roadmap for an Abundant Life™, Mokosak Advisory
Group provides the following advisory services to help guide clients through life's journey.
B. Types of Advisory Services
Financial Planning Services
The Roadmap for an Abundant Life™ process begins with a Discovery Meeting to uncover the
gaps between where a client currently is and where they want to be. Following this meeting,
clients receive a personalized Roadmap for an Abundant Life™ Mindmap that clarifies goals,
values, relationships, and personal preferences.
The second step of our process is the Financial Plan & Portfolio Analysis Meeting. Here we
prepare and present a Financial Plan based on what’s important to the client and analyze the
current investment portfolio to identify any gaps or opportunities. If we find that the portfolio is
well positioned, we'll share this with the client; otherwise, we'll provide recommendations for
moving forward.
The next step is our Mutual Commitment Meeting. This is a period for the client to review our
recommendations and decide if they would like to engage in our services. Expectations are set
and an Investment Policy Statement is executed in this step.
During the fourth step the Follow-Up Meeting, we will organize account paperwork and establish
secure electronic account access.
The fifth step is Ongoing Review & Education Meetings. During these meetings, we review the
client's progress, address any gaps in the plan, and when necessary, bring in our team of
professional accountants and attorneys to implement client-specific advanced planning
strategies.
Portfolio Management Services
Mokosak Advisory Group offers ongoing portfolio management services based on the goals,
objectives, time horizon, and risk tolerance of each client. Mokosak Advisory Group creates an
Investment Policy Statement for each client, which outlines the client’s current situation (income,
tax bracket, time horizon, and risk tolerance) and then constructs a plan to aid in the selection of
a portfolio that matches each client's specific situation.
Mokosak Advisory Group evaluates the current investments of each client with respect to their
risk tolerance levels and time horizon. Mokosak Advisory Group will request discretionary
authority from clients to select securities and execute transactions without permission from the
client prior to each transaction. Risk tolerance
levels are documented in the Investment Policy
Statement, which is given to each client.
Mokosak Advisory Group seeks to provide that investment decisions are made in accordance
with the fiduciary duties owed to its clients and without consideration of Mokosak Advisory
Group’s economic, investment or other financial interests. To meet its fiduciary obligations,
Mokosak Advisory Group attempts to avoid, among other things, investment or trading practices
that systematically advantage or disadvantage certain client accounts, and accordingly, Mokosak
Advisory Group’s policy is to seek fair and equitable allocation of investment
opportunities/transactions among its clients to avoid favoring one client over another over time.
It is Mokosak Advisory Group’s policy to allocate investment opportunities and transactions it
identifies as being appropriate and prudent among its clients on a fair and equitable basis over
time.
Services Are Not Limited to Specific Types of Investments
Mokosak Advisory Group primarily recommends a diversified portfolio of Exchange-Traded
Funds (ETFs) or Mutual Funds. Mokosak Advisory Group may use other securities as well to
help diversify a portfolio when applicable. These other securities may include 529 College
Savings Plans, REITs, fixed income securities, insurance products including annuities, life
insurance and private placement insurance, equities, treasury inflation protected/inflation linked
bonds, non-U.S. securities and venture capital funds. Note: This may not be an all-inclusive list.
C. Client Tailored Services and Client Imposed Restrictions
Mokosak Advisory Group will tailor a program for each individual client. This may include a
Discovery Meeting to get to know the client’s goals, values, relationships, and personal
preferences as well as a financial plan that will be executed by Mokosak Advisory Group on
behalf of the client. Mokosak Advisory Group may use model allocations together with a specific
set of recommendations for each client based on their personal goals, investment objectives, and
risk tolerance. Clients may impose restrictions in investing in certain securities or types of
securities in accordance with their values or beliefs. However, if the restrictions prevent Mokosak
Advisory Group from properly servicing the client account, or if the restrictions would require
Mokosak Advisory Group to deviate from its standard suite of services, Mokosak Advisory
Group reserves the right to end the relationship.
D. Wrap Fee Programs
Mokosak Advisory Group does not participate in any wrap fee programs.
E. Assets Under Management
Mokosak Advisory Group has the following assets under management:
Discretionary Amounts: Non-discretionary Amounts: Date Calculated:
$285,565,261
$2,565,891 December 31, 2023