Description of Advisory Firm
Jericho Financial (hereinafter “Jericho” or “Jericho Financial”) is a Limited Liability Partnership organized
in the State of Ohio. The firm was formed in April 2017, and the principal owners are Ryan Bosler and
Mark Faubel.
Types of Advisory Services
Jericho provides financial planning services individuals and pension consulting services to pension and
profit-sharing plans. The team at Jericho takes a 360-degree approach to assess all aspects of each
client’s financial life. We invest a significant amount of time with our clients to understand each’s unique
needs and challenges, emphasizing on the relationships over the transactions.
Financial Planning Services
The Financial Planning service that we provide is tailored to the individual needs of our clients. We
understand that each client’s goals are unique, as are the various factors of their personal and
professional lives on which their financial plan and investment portfolio is built. Our plans, strategies, and
recommendations are adaptive to the changes in our clients’ goals, priorities, and financial situations.
This service is designed to assist clients in meeting their financial goals through the use of a financial plan
or consultation. Jericho Financial conducts client meetings and broad-based analysis of a client’s financial
situation. Jericho Financial makes use of current and historical financial information to understand a
client’s current financial situation, existing resources, financial and personal goals, attitudes, investment
objectives, and tolerance for risk. Based on what is learned, an investment approach is presented to the
client, consisting of individual stocks, bonds, ETFs, mutual funds and other public and private securities or
investments. Once the appropriate portfolio has been determined, portfolios are continuously and
regularly monitored. If necessary, a portfolio is rebalanced based upon market performances and the
client’s individual needs, stated goals and objectives.
Jericho Financial provides a written analysis and recommendations for the planning or consulting aspects
of this service. The financial plan or consultation may encompass one or more of the following areas:
Investment Planning, Tax Planning, Retirement Planning, Estate Planning, Charitable Planning, Education
Planning, Mortgage/Debt Analysis, Insurance Analysis, Lines of Credit Evaluation, Business and Personal
Financial Planning. The specific scope of services to be provided can only be determined after a thorough
and ongoing review of the documentation provided by the client. Jericho Financial will assist with the
implementation of the financial plan or consultation. However, Jericho Financial will not provide legal
advice. Clients are urged to work closely with their attorney in implementing strategies in those areas.
Jericho Financial will provide ongoing monitoring of the client’s financial circumstances and provide
continued advice to help them reach the goals we have discussed. Jericho Financial will also provide
advice concerning changes in these goals or in the client’s circumstances. Each element of the client’s
plan is reviewed at least annually, including estate plans, tax planning, insurance, cash flow, goal setting
and financial advice in other areas.
Jericho Financial will recommend and manage an agreed-upon portfolio relative to the client’s risk
tolerance and time parameters. Jericho Financial will make investment decisions for the client’s portfolio
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according to the client’s investment objectives and financial circumstances. Clients are required to
promptly inform Jericho if any material changes occur in their circumstances. Clients must also consult
with Jericho at least annually
to provide updated information, if any, about their financial circumstances
and financial objectives.
Pension Consulting Services
Jericho Financial provide pension consulting services to employer plan sponsors. Generally, such pension
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.
All pension consulting services shall be in compliance with the applicable State law(s) regulating the
services provided by this Agreement. This section applies to an Account that is a pension or other
employee benefit plan (a “Plan”) governed by the Employee Retirement Income Security Act of 1974, as
amended (“ERISA”). If the client accounts are part of a Plan, and we accept appointments to provide our
services to such accounts, we acknowledge that we are a fiduciary within the meaning of Section 3(21) of
ERISA as designated by the Pension Consulting Agreement with respect to the provision of services
described therein.
Selection of Other Advisers
Jericho may direct clients to third-party investment advisers to manage either all or a portion of the
client’s assets. The specific terms and conditions under which a client engages a third-party investment
adviser may be set forth in a separate written agreement with the designated third-party investment
adviser. Before selecting other advisers for clients, Jericho will verify that all recommended advisers are
properly licensed, notice filed, or exempt in the states where Jericho is recommending the adviser to
clients. On an ongoing basis, Jericho monitors the performance of those accounts being managed by
Managers and seeks to ensure their strategies and target allocations remain aligned with its clients’
investment objectives and overall best interests.
Held Away Assets
Jericho utilizes Pontera, a third-party platform, to facilitate management of held away assets such as
defined contribution plan participant accounts, with discretion. The platform allows Jericho to avoid being
considered to have custody of client funds since the Firm does not have direct access to client log-in
credentials to affect trades. Jericho is not affiliated with the Pontera platform in any way and receives no
compensation from them for using their platform. In order for Jericho to manage held away assets
(assets not held at TD Ameritrade) a link will be provided to the client allowing them to connect an
account(s) to the platform. Once a client account is connected to the platform, Jericho will review the
current account allocations. When deemed necessary, Jericho will rebalance the account considering
client investment goals and risk tolerance, and any change in allocations will consider current economic
and market trends. The goal is to improve account performance over time, minimize loss during difficult
markets, and manage internal fees that harm account performance.
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Client-Tailored Services and Client-Imposed Restrictions
Our firm offers individualized investment advice to our Financial Planning clients. General investment
advice will be offered to our Pension Consulting clients.
Each Financial Planning 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.
Assets under Management
As of December 31, 2022, Jericho manages $127,217,091 in discretionary assets.
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