A. Description of the Advisory Firm
Global Financial Group Advisors LLC dba Stonebridge Financial Group is a Limited
Liability Company organized in the state of Michigan. The firm was formed in
November of 2012, and the principal owner is Bradford James Pinter.
The purpose of this Brochure is to disclose the conflicts of interest associated with the
investment transactions, compensation and any other matters related to investment
decisions made by our firm or its representatives. As a fiduciary, it is our duty to always
act in the client’s best interest. This is accomplished in part by knowing our client. Our
firm has established a service-oriented advisory practice with open lines of
communication for many different types of clients to help meet their financial goals
while remaining sensitive to risk tolerance and time horizons. Working with clients to
understand their investment objectives while educating them about our process,
facilitates the kind of working relationship we value.
B. Types of Advisory Services
Global Financial Group Advisors LLC dba Stonebridge Financial Group (hereinafter
“SFG”) offers the following services to advisory clients:
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:
selecting and monitoring investment options, plan structure, fiduciary risk management
and participant and fiduciary education. Retirement plan consulting services may
include:
Establishing an Investment Policy Statement – Our firm will assist in the
development of 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.
Fiduciary Risk Management. Our firm will review current client fiduciary
practices, identify weaknesses and recommend best practices.
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)
or 3(38) of ERISA as designated by our consulting agreement with the client with
respect to the provision of services described therein.
Asset Management
As part of our Asset
Management service, a portfolio is created, consisting of individual
stocks, bonds, exchange traded funds (“ETFs”), options, mutual funds and other public and
private securities or investments. The client’s individual investment strategy is tailored to
their specific needs and may include some or all of the previously mentioned securities.
Portfolios will be designed to meet a particular investment goal, determined to be suitable to
the client’s circumstances. Once the appropriate portfolio has been determined, portfolios
are continuously and regularly monitored, and if necessary, rebalanced based upon the
client’s individual needs, stated goals and objectives.
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 three
months of the client signing a contract with our firm.
Services Limited to Specific Types of Investments
SFG generally limits its investment advice and/or money management to mutual funds,
equities, bonds, fixed income, debt securities, ETFs, REITs, insurance products including
annuities, and government securities. SFG may use other securities as well to help
diversify a portfolio when applicable.
C. Client Tailored Services and Client Imposed Restrictions
SFG offers the same suite of services to all of its clients. However, specific client financial
plans and their implementation are dependent upon the client Investment Policy
Statement which outlines each client’s current situation (income, tax levels, and risk
tolerance levels) and is used to construct a client specific plan to aid in the selection of a
portfolio that matches restrictions, needs, and targets.
Clients may impose restrictions in investing in certain securities or types of securities in
accordance with their values or beliefs.
D. Wrap Fee Programs
A wrap fee program is an investment program where the investor pays one stated fee that
includes management fees, transaction costs, fund expenses, and any other administrative
fees. SFG does not participate in any wrap fee programs.
E. Amounts Under Management
SFG has the following assets under management:
Discretionary
Amounts:
Non-discretionary
Amounts:
Date Calculated:
$46,575,382 $529,551,148 12/31/2023