A. Description of the Advisory Firm
Investment Professionals, LLC, d/b/a Investment Professionals, d/b/a 401k Investment
Professionals, (hereinafter “IPL”) is a Corporation organized in the State of Wisconsin.
The firm was formed in February 2016, and the principal owner is Jason Donald Marty.
B. Types of Advisory Services
Portfolio Management Services
IPL offers ongoing portfolio management services based on the individual goals,
objectives, time horizon, and risk tolerance of each client. IPL creates an Investment Policy
Statement for each client, which outlines the client’s current situation (income, tax levels,
and risk tolerance levels) and then constructs a plan to aid in the selection of a portfolio
that matches each client's specific situation. Portfolio management services include, but
are not limited to, the following:
• Investment strategy • Personal investment policy
• Asset allocation • Asset selection
• Risk tolerance • Regular portfolio monitoring
IPL evaluates the current investments of each client with respect to their risk tolerance
levels and time horizon. IPL will request discretionary authority from clients in order 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.
IPL seeks to provide that investment decisions are made in accordance with the fiduciary
duties owed to its accounts and without consideration of IPL’s economic, investment or
other financial interests. To meet its fiduciary obligations, IPL attempts to avoid, among
other things, investment or trading practices that systematically advantage or
disadvantage certain client portfolios, and accordingly, IPL’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 IPL’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.
Financial Planning
Financial plans and financial planning may include but are not limited to: investment
planning; life insurance; tax concerns; retirement planning; education planning; and
debt/credit planning.
Services Limited to Specific Types of Investments
IPL generally limits its investment advice to mutual funds, fixed income securities, real
estate funds (including REITs), insurance products including annuities, equities, ETFs
(including ETFs in the gold and precious metal sectors), treasury inflation
protected/inflation linked bonds, commodities and non-U.S. securities, although IPL
primarily recommends equities to a majority of its clients. IPL may use other securities as
well to help diversify a portfolio when applicable.
C. Client Tailored Services and Client Imposed Restrictions
IPL will tailor a program for each individual client. This will include an interview session
to get to know the client’s specific needs and requirements as well as a plan that will be
executed by IPL on behalf of the client. IPL may use “model portfolios” together with a
specific set of recommendations for each client based on their personal restrictions, needs,
and targets. 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
IPL from properly servicing the client account, or if the restrictions would require IPL to
deviate from its standard suite of services, IPL reserves the right to end the relationship.
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 other administrative
fees. IPL does not participate in any wrap fee programs.
E. Assets Under Management
IPL has the following assets under management:
Discretionary Amounts: Non-discretionary Amounts: Date Calculated:
$ 191,000,000.00 $ 2,000,000.00 December 2022