ABOUT OUR FIRM
This Disclosure document is being offered to you by Coordinated Financial Services, Inc. (“Coordinated Financial
Services”) about our investment advisory services. It discloses information about our services and how they are available
to you (“the Client”).
We are an investment management and financial planning firm located in Colorado. We specialize in fee-based financial
planning and ongoing portfolio investment management services in our Private Wealth Management. Coordinated
Financial Services became a registered investment adviser in 2008 with the state of Colorado and then with the SEC in
2021. Matt Obert CFA®, MBA is the majority owner, and principal, Shawn Rogers, CFP® is a principal owner, and Kyle
Hurt, CFP®, MBA is a principal owner.
We are committed to helping Clients build, manage, and preserve their wealth and provide assistance that helps them
achieve their stated financial goals. We will offer an initial complimentary meeting at our discretion; however, financial
planning and investment advisory services are initiated only after you and Coordinated Financial Services execute an
engagement letter or Client agreement.
INVESTMENT AND WEALTH MANAGEMENT AND SUPERVISION SERVICES
We manage advisory accounts on a discretionary or non-discretionary basis. For discretionary accounts, once we have
determined a profile and investment plan with a Client, we will execute the day-to-day transactions without seeking prior
Client consent. For non-discretionary accounts, we will contact you prior to each transaction. The written profile and
investment plan of the Client guides acc. If circumstances warrant, we may accept accounts with certain restrictions, less
than full-discretion, or non-discretionary capabilities. We primarily allocate Client assets among various mutual funds,
exchange-traded funds (“ETFs”), and individual debt (bonds) and equity securities in accordance with their stated
investment objectives.
During personal discussions with Clients, we determine the Client’s investment goals, objectives, time horizons, risk
tolerance, and liquidity needs. As appropriate, we also review a Client’s prior investment history, family composition, and
background. Based on Client needs, we develop and document a Client’s personal profile and then we create and
manage the Client’s investments based on that profile.
The Client is obligated to notify us immediately if circumstances have changed regarding their goals.
In performing our services, we shall not be required to verify any information received from you or other professionals. If
you request, we will recommend you engage the services of other professionals for implementation purposes. You have
the right to decide whether to engage the services of any such recommended professional.
Once we have determined the types of investments to be included in your portfolio and allocate them, we will provide
ongoing investment review and management services in our Private Wealth Management. This approach requires us to
periodically review your portfolio.
If a discretionary relationship is in place, we will rebalance the portfolio as we deem appropriate to meet your financial
objectives. We trade these portfolios and rebalance them based on the combination of our market views and your
objectives using our investment process. We tailor our advisory services to meet the needs of our Clients and seek to
ensure that your portfolio is managed in a manner consistent with those needs and objectives. You will have the ability to
leave standing instructions with us to refrain from investing in certain industries or invest in limited amounts of securities.
If a non-discretionary relationship is in place, calls will be placed presenting the recommendation made, and only upon
your authorization will any action be taken on your behalf.
In all cases, you have a direct and beneficial interest in your securities rather than an undivided interest in a pool of
securities. We have limited authority to direct the Custodian to deduct our investment advisory fees from your accounts,
but only with your appropriate written authorization.
Where appropriate, we provide advice about any legacy position held in Client portfolios. Typically, these are ineligible
assets to be custodied at our primary Custodian. Clients will engage us to advise on certain investment products not
maintained at their primary custodian, such as variable life insurance, annuity contracts, and assets held in employer-
sponsored retirement plans and qualified tuition plans (i.e., 529 plans).
You are advised and expected to understand that our past performance does not guarantee future results. Certain market
and economic risks exist that adversely affect an account’s performance. This could result in capital losses in your account.
FINANCIAL PLANNING
Financial Planning is a comprehensive evaluation of a Client’s current and future financial state by using the Client’s current
known variables to determine future cash flows, asset flows, 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. Our specific services in preparing your plan could include:
• PERSONAL: We review family records, budgeting, personal liability, estate information, and financial goals.
• TAX & CASH FLOW: We analyze the Client’s income tax, 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.
However, we do not provide specific tax advice.
• INVESTMENT: We analyze investment alternatives and their effects on the Client’s portfolio
• INSURANCE: We review existing policies to ensure proper coverage for life, health, disability, and long-term care.
• RETIREMENT: We analyze current strategies and investment plans.
• DEATH AND DISABILITY: We review the Client’s cash needs at death, income needs of surviving dependents,
estate planning, and disability income.
• ESTATE: We can assess a Client’s current estate plan and assist the Client in developing a long-term estate plan.
Since we are not attorneys, any specific estate plan implementation would be referred to our Client’s legal
counsel.
A written evaluation of each Client’s initial situation or Financial Plan is provided to the Client on an as-needed basis.
Coordinated Financial Services will provide an annual review if indicated per Appendix A in the Financial Planning
Agreement. More frequent reviews occur but are not necessarily communicated to the Client unless immediate changes
are recommended.
Points to note on financial planning regarding the Client’s investment portfolio:
• We do not monitor those investment recommendations on an ongoing basis.
• We do not implement investment recommendations or place trades.
• The Client is responsible for informing Coordinated Financial Services of any changes to the Client’s financial
situation after the consultation. Additional changes may result in an additional fee if the Client elects to do so.
MONEYGUIDE PRO ADVISOR PLATFORM
Our Firm makes available to Clients the “MoneyGuide Pro” platforms to provide periodic comprehensive reporting
services that can incorporate all the Client’s investment assets, including those investment assets that are not part of
the assets managed by our Firm (“Excluded Assets”). The Client and their other advisors that maintain trading au-
thority, and not our Firm, shall be exclusively responsible for the investment performance of the excluded assets.
Unless otherwise expressly agreed to in writing, our Firm’s service relative to the excluded assets is limited to report-
ing only. Therefore, we shall not be responsible for the investment performance of the excluded assets. Instead, the
Client and the Client’s designated outside investment professional(s) maintain supervision, monitoring, and trading
authority for the excluded assets. If our Client prefers, we’ll make recommendations as to any excluded assets. The
Client has no obligation to accept the recommendation, and we shall not be responsible for any implementation error
(timing, trading, etc.) relative to the excluded assets. The Client may engage us under the terms and conditions of a
Consulting or Investment Advisory Agreement between our Firm and the Client.
MoneyGuide Pro Platform may also provide access to other types of information, including financial planning con-
cepts, which should not be construed as our Firm’s personalized investment advice or recommendations. Without our
assistance or oversight, we shall not be held responsible for any adverse results a Client may experience if the Client
engages in financial planning or other functions available on the MoneyGuide Pro Platform.
LPL FINANCIAL SPONSORED ADVISORY PROGRAMS
We may provide advisory services
through specific programs sponsored by LPL Financial LLC (“LPL”), a registered
investment advisor and broker-dealer. Below is a brief description of each LPL advisory program available. For more
information regarding the LPL programs, including more information on the advisory services and fees that apply, the
types of investments available in the programs, and the potential conflicts of interest presented by the programs, please
see the program account packet (which includes the account agreement and LPL Form ADV program brochure) and the
Form ADV, Part 2A of LPL or the applicable program.
MANAGER ACCESS SELECT PROGRAM (“MP”)
Manager Access Select offers clients the ability to participate in the Separately Managed Account Platform (the
“SMA Platform”) or the Model Portfolio Platform (the “MP Platform”). In the SMA Platform, Coordinated will assist
the Client in identifying a third-party portfolio manager (SMA Portfolio Manager) from a list of SMA Portfolio
Managers made available by LPL, and the SMA Portfolio Manager manages the Client's assets on a discretionary
basis. Coordinated will provide initial and ongoing assistance regarding the SMA Portfolio Manager selection
process. In the MP Platform, clients authorize LPL to direct the investment and reinvestment of the assets in their
accounts in accordance with the selected model portfolio provided by LPL's Research Department or a third-party
investment advisor.
A minimum account value of $50,000 is required for Manager Access Select; however, in certain instances, the
minimum account size may be lower or higher.
MODEL WEALTH PORTFOLIOS PROGRAM (“MWP”)
MWP offers Clients a professionally managed mutual fund asset allocation program. Our Firm will obtain the
necessary financial data from the Client, assist the Client in determining the suitability of the MWP program, and
assist the Client in setting an appropriate investment objective. We will initiate the steps necessary to open an
MWP account and have the discretion to select a model portfolio designed by LPL's Research Department
consistent with the Client's stated investment objective. LPL's Research Department or third-party portfolio
strategists are responsible for selecting the mutual funds or ETFs within a model portfolio and making changes
to the mutual funds or ETFs selected.
The Client will authorize LPL to act on a discretionary basis to purchase and sell mutual funds and ETFs and to
liquidate previously purchased securities. The Client will also authorize LPL to effect rebalancing for MWP
accounts.
LPL requires a minimum asset value for a program account to be managed. The minimums vary depending on
the Portfolio(s) selected and the account's allocation amongst Portfolios. The lowest minimum for a Portfolio is
$10,000. In certain instances, LPL will permit a lower minimum for a Portfolio.
OPTIMUM MARKET PORTFOLIOS PROGRAM (“OMP”)
OMP offers clients the ability to participate in a professionally managed asset allocation program using Optimum
Funds shares. Under OMP, the Client will authorize LPL on a discretionary basis to purchase and sell Optimum
Funds pursuant to investment objectives chosen by the client. We will assist the client in determining the suitability
of OMP and setting an appropriate investment objective. Coordinated will have the discretion to select a mutual
fund asset allocation portfolio designed by LPL consistent with the client's investment objective. LPL will have the
discretion to purchase and sell Optimum Funds pursuant to the portfolio selected for the client. LPL will also have
the authority to rebalance the account.
LPL generally requires a minimum account value of $1,000, but systematic contributions are required for account
sizes below $10,000. In certain instances, LPL will permit a lower minimum account size. An account will not be
invested according to the Portfolio until the minimum has been reached.
STRATEGIC WEALTH MANAGEMENT (“SWM II”)
Our Firm provides ongoing investment advice and management of assets using separately managed accounts
with LPL Financial in the Client's custodial Strategic Wealth Management (“SWM II”) account held at LPL Financial.
Our IARs provide advice on the purchase and sale of various types of investments, such as mutual funds,
exchange-traded funds (“ETFs”), variable annuity subaccounts, real estate investment trusts (“REITs”), equities,
fixed-income securities, and individual debt (bonds) and equity securities. Our advice is strategically tailored to
guide Clients toward attaining their financial goals and protecting their acquired wealth. Accounts are reviewed
on a regular basis and rebalanced as necessary according to each Client's investment strategy.
INVESTMENT ADVICE AND ROLLOVER RECOMMENDATION DISCLOSURE
We are fiduciaries under the Investment Advisers Act of 1940, and when we provide investment advice to you regarding
your retirement plan account or individual retirement account, we are also fiduciaries within the meaning of Title I of the
Employee Retirement Income Security Act and the Internal Revenue Code, as applicable, which are laws governing
retirement accounts. We must act in your best interest and not put our interests ahead of yours. At the same time, how
we make money conflicts with your interests.
A Client or prospect leaving an employer typically has four options regarding an existing retirement plan (and may
engage in a combination of these options):
• leave the money in the former employer’s plan, if permitted;
• roll over the assets to the new employer’s plan, if one is available and rollovers are permitted;
• rollover to an Individual Retirement Account (“IRA”); or
• cash out the account value (which could, depending upon the Client’s age, result in adverse tax consequences).
We may recommend an investor roll over plan assets to an IRA for which our Firm provides investment advisory
services. As a result, our Firm and its representatives may earn an asset-based fee. In contrast, a recommendation that a
Client or prospective Client leave their plan assets with their previous employer or roll over the assets to a plan sponsored
by a new employer will generally result in no compensation to our Firm. Therefore, we have an economic incentive to
encourage a Client to roll plan assets into an IRA that we manage, which presents a conflict of interest. To mitigate the
conflict of interest, there are various factors that we will consider before recommending a rollover, including but not
limited to:
• the investment options available in the plan versus the investment options available in an IRA;
• fees and expenses in the plan versus the fees and expenses in an IRA;
• the services and responsiveness of the plan’s investment professionals versus ours;
• protection of assets from creditors and legal judgments;
• required minimum distributions and age considerations; and
• employer stock tax consequences, if any.
Coordinated Financial's Chief Compliance Officer remains available to address any Client or prospective Client's
questions regarding the oversight.
WRAP FEE PROGRAM
Our Firm provides services on a non-wrap and wrap fee basis. Our Firm's wrap fee program is further described in our
ADV Part 2A – Appendix 1 - Wrap Fee Program Brochure.
A wrap fee program is generally considered any arrangement under which Clients receive investment advisory services
and the execution of Client transactions for a specified fee or fees not based upon transactions in their accounts. Clients
who choose to use LPL as their Custodian will be offered the wrap fee program structure that includes, as a single fee,
the securities transaction costs for trading in Client accounts along with the investment advisory fees earned by our firm.
Our firm receives a portion of the wrap fee for the services rendered. Our Firm has the option to negotiate with the
custodian for a flat basis point or flat fee to cover all of the transaction charges or will pay the standard transaction fees.
It is important to remember that Firms can charge a higher overall advisory fee to offset their cost for the transaction
charges involved in managing the portfolio.
While traditional Wrap Fee Programs are often rigid, pre-packaged investment programs, our firm customizes its
investment strategies individually for its Clients. Before receiving services through the Program, Clients must enter into a
written advisory agreement with our firm, setting forth the relevant terms and conditions of the investment advisory
relationship (the “Agreement”).
Before rendering any preceding advisory services, Clients must enter into one or more written Agreements, setting forth
the relevant terms and conditions of the advisory relationship.
ASSETS
As of December 31, 2023, we have $306,823,973 in assets under discretionary management and $11,268,851 in assets
under non-discretionary management.