Allegiance Financial Advisors, Inc. is a SEC registered investment adviser with its
principal place of business located in Florida. Allegiance Financial Advisors, Inc. began
conducting business in 1998.
Listed below are the firm's principal shareholders (i.e., those individuals and/or entities
controlling 25% or more of this company).
• Alfred Charles Della Porta, President
Allegiance Financial Advisors, Inc. offers the following advisory services to our clients:
INVESTMENT SUPERVISORY SERVICES ("ISS") MODEL PORTFOLIO
MANAGEMENT
Our firm provides portfolio management services to clients using model asset allocation
portfolios. Each model portfolio is designed to meet a particular investment goal.
Recommendations for model portfolios are structured around mutual funds. Our firm
will accommodate stock holdings for clients.
Aggressive Growth: Large Cap 40%, Mid/Small Cap 30%, International 20%, Bonds
8%, Money Market 2%
Growth: Large Cap 30%, Mid/Small Cap 25%, International 15%, Bonds 28%, Money
Market 2%
Balanced: Large Cap 40%, Mid/Small Cap 5%, International 5%, Bonds 48%, Money
Market 2%
Conservative: Large Cap 20%, Balanced 10%, Bonds 65%, Money Market 5%
Ultra Conservative/Income: Large Cap 15%, Bonds 75%, Money Market 10%
We manage these advisory accounts on a non-discretionary basis. Account supervision
is guided by the client's stated objectives (i.e., maximum capital appreciation, growth,
income, or growth and income), as well as tax considerations.
Through personal discussions with the client, in which the client's goals and objectives
are established, we determine if the model portfolio is suitable to the client's
circumstances. Once we determine the suitability of the portfolio, the portfolio is
managed based on the portfolio's goal, rather than on each client's individual needs.
Clients, nevertheless, have the opportunity to place reasonable restrictions on the types
of investments to be held in their account. Clients retain individual ownership of all
securities.
Because some types of investments involve certain additional degrees of risk, they will
only be implemented/recommended when consistent with the client's stated investment
objectives, tolerance for risk, liquidity and suitability.
To ensure that our initial determination of an appropriate portfolio remains suitable and
that the account continues to be managed in a manner consistent with the client's
financial circumstances, we will:
1. at least quarterly contact each Model Portfolio Management Services client
requesting any updated information regarding changes in the client's financial
situation and investment objectives;
2. at least quarterly, contact each participating client to determine whether there have
been any changes in the client's financial situation or investment objectives, and
whether the client wishes to impose investment restrictions or modify existing
restrictions;
3. be reasonably available to consult with the client; and
4. maintain client suitability information in each client's file.
FINANCIAL PLANNING
We provide financial planning services. Financial planning is a comprehensive
evaluation of a client’s current and future financial state by using currently known
variables to predict future cash flows, asset values and withdrawal plans. Through
the financial planning process, all questions, information, and analysis are
considered as they impact and are impacted by the entire financial and life situation
of the client.
Clients purchasing this service receive a written report which provides the client with a
detailed financial plan designed
to assist the client to achieve his or her financial goals and
objectives.
In general, the financial plan can address any or all of the following areas:
• PERSONAL: We review family records, budgeting, personal liability, estate
information and financial goals.
• TAX & CASH FLOW: We analyze the client’s income tax and spending and
planning for past, current and future years; then illustrate the impact of various
investments on the client's current income tax and future tax liability.
• INVESTMENTS: We analyze investment alternatives and their effect on the
client's portfolio.
• INSURANCE: We review existing policies to ensure proper coverage for life,
health, disability, long-term care, liability, home and automobile.
• RETIREMENT: We analyze current strategies and investment plans to help the
client achieve his or her retirement goals.
• DEATH & DISABILITY: We review the client’s cash needs at death, income
needs of surviving dependents, estate planning and disability income.
• ESTATE: We assist the client in assessing and developing long-term strategies,
including as appropriate, living trusts, wills, review estate tax, powers of
attorney, asset protection plans, nursing homes, Medicaid and elder law.
We gather required information through in-depth personal interviews. Information
gathered includes the client's current financial status, tax status, future goals, returns
objectives and attitudes towards risk. We carefully review documents supplied by the
client, including a questionnaire completed by the client, and prepare a written
report.
Should the client choose to implement the recommendations contained in the plan, we
suggest the client work closely with his/her attorney, accountant, insurance agent,
and/or stockbroker. Implementation of financial plan recommendations is entirely at the
client's discretion.
We also provide general non-securities advice on topics that may include tax and
budgetary planning, estate planning and business planning.
Our investment recommendations are not limited to any specific product or service
offered by a broker dealer or insurance company and will generally include advice
regarding the following securities:
• Exchange-listed securities
• Securities traded over-the-counter
• Corporate debt securities (other than commercial paper)
• Certificates of deposit
• Municipal securities
• Variable life insurance
• Variable annuities
• Mutual fund shares
• United States governmental securities
• Interests in partnerships investing in real estate
Typically, the financial plan is presented to the client within six months of the
contract date, provided that all information needed to prepare the financial plan has
been promptly provided.
Financial Planning recommendations are not limited to any specific product or service
offered by a broker-dealer or insurance company. All recommendations are of a
generic nature.
CONSULTING SERVICES
Clients can also receive investment advice on a more focused basis. This may include
advice on only an isolated area(s) of concern such as estate planning, retirement
planning, or any other specific topic. We also provide specific consultation and
administrative services regarding investment and financial concerns of the client.
Consulting recommendations are not limited to any specific product or service offered
by a broker-dealer or insurance company. All recommendations are of a generic
nature.
AMOUNT OF MANAGED ASSETS
As of December 31, 2022, we were actively managing $117,058,843 of clients'
assets on a non-discretionary basis.