This Disclosure document is being offered to you by POM Investment Strategies, LLC, doing business as, Peace
of Mind Wealth Management (“firm” or “POM”) about the investment advisory services we provide. It discloses
information about our services and the way those services are made available to you, the client.
We are an investment management Firm located in Raleigh, NC. POM was formed in November 2021. Radon
Stancil is the Managing Member and sole owner of the firm. Radon Stancil is Chief Compliance Officer of the Firm.
We are committed to helping clients build, manage, and preserve their wealth, and to provide guidance that helps
clients to achieve their stated financial goals. We will offer an initial complimentary meeting upon our discretion;
however, investment advisory services are initiated only after you and POM execute an Investment Management
Agreement.
INVESTMENT MANAGEMENT SERVICES
We manage advisory accounts on a non-discretionary and discretionary basis. Once we determine a client’s
profile, income need, and investment plan, we execute the day-to- day transactions with or without prior consent,
depending on the client’s agreement with our firm. Account supervision is guided by the client’s written profile
and investment plan. We primarily allocate client assets among various mutual funds, exchange-traded funds
(“ETFs”), cash, and individual debt (bonds) and equity securities in accordance with their stated investment
objectives. In some cases, our Firm does utilize pre-built portfolios for clients based on their risk tolerance and
time horizon.
In personal discussions with clients, we determine their objectives, time horizons, risk tolerance and liquidity and
income needs. As appropriate, we also review their prior investment history, as well as family composition and
background. Based on client needs, we develop the client’s personal profile and investment plan. We then create
and manage the client’s investments based on that policy and plan. It is the client’s obligation to notify us
immediately if circumstances have changed with respect to their goals and income needs.
When managing client accounts through our firm’s investment management services, we most often manage a
client’s Account in accordance with one or more investment models developed either internally by our Firm or
developed externally by Model Managers. When client Accounts are managed using models, investment selections
are based on the underlying model and we do not develop customized (or individualized) portfolio holdings.
With our discretionary investment management relationship, our Firm will make changes to the portfolio, as we
deem appropriate, to meet your financial objectives. We trade these portfolios based on the combination of our
market views and your objectives, using our investment philosophy and strategies as described in Item 8 of this
Brochure. 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 particular industries or invest in limited amounts of securities.
You are advised and are expected to understand that our past performance is not a guarantee of future results.
Certain market and economic risks exist that adversely affect an account’s performance. This could result in
capital losses in your account.
If a non-discretionary relationship is in place, calls will be placed to the client presenting the recommendation
made including a rebalancing recommendation and only upon your authorization will any action be taken on your
behalf. Our clients should note that being in a discretionary or non-discretionary account does not affect the
management of the accounts. It is the decision of the client on what type account they elect to open with our Firm
– a discretionary account without prior notification of investment trades or a non- discretionary account as
described above.
We will not enter into an investment adviser relationship with a prospective client whose investment objectives
are considered incompatible with our investment philosophy or strategies or where the prospective client seeks
to impose unduly restrictive investment guidelines. However, Clients have the ability to impose reasonable
restrictions on the management of their accounts, including the ability to instruct the firm not to purchase certain
securities.
We do have limited authority to direct the Custodian to deduct our investment advisory fees from accounts, but
only with the appropriate written authorization from clients.
Clients may engage us to advise on certain investment products that are not maintained at our Firm’s
recommended custodian, such as variable life insurance, annuity contracts, and assets held in employer sponsored
retirement plans. Where appropriate, we provide advice about any type of held away account that is part of a client
portfolio.
You are advised and are expected to understand that our past performance is not a guarantee of future results.
Certain market and economic risks exist that adversely affect an account’s performance. This could result in capital
losses in your account.
USE OF THIRD-PARTY MONEY MANAGERS
If deemed appropriate, our Firm has the ability to utilize third party money mangers. The determination to use a
particular model or models is based on each client’s individual investment goals, objectives and mandates. Our
Firm has entered into an agreement with AE Wealth Management, LLC (“AEWM”), an SEC registered investment
adviser, to provide asset management services that include:
• Third party model money managers
• Portfolio managers
• Strategists
Through your Agreement with our Firm, clients authorize our Firm and AEWM discretion to select third party,
non-affiliated investment managers (“Model Managers”) to design and manage model portfolios.
Our Firm has access to AEWM’s reporting systems, client relationship management systems and workflow
systems to assist clients to establish an advisory account. Due to this arrangement, AEWM will have access to
client information, but AEWM will not serve as an investment advisor to our clients. Peace of Mind Wealth
Management and AEWM are non-affiliated companies. AEWM charges our Firm an annual fee for each account
administered by AEWM. The annual fee is paid from the portion of the management fee retained by us. Clients
receive continuous investment advice based on investment objective, risk profile and time-horizon. While
investment strategies and recommendations are tailored to the individual needs of each client, they consist of an
asset allocation consistent as outlined in Item 8 of this Brochure.
FINANCIAL PLANNING SERVICES
We include financial planning services as part of our investment management engagement. However, if requested,
we offer standalone financial planning services. Through the financial planning process, our team strives to engage
our clients in conversations around the family’s goals, objectives, priorities, vision, and legacy – both for the near
term as well as for future generations. With the unique goals and circumstances of each family
in mind, our team
will offer financial planning ideas and strategies to address the client’s holistic financial picture, including estate,
income tax (POM is not a tax services Firm and you should always consult a tax professional), charitable, cash
flow, wealth transfer, and family legacy objectives. Our team partners with our client’s other advisors (CPAs,
Enrolled Agents, Estate Attorneys, Insurance Brokers, etc.) to ensure a coordinated effort of all parties toward the
client’s stated goals. Such services include various reports on specific goals and objectives or general investment
and/or planning recommendations, guidance to outside assets, and periodic updates.
Our specific services in preparing your plan may include:
PERSONAL: We can review family records, budgeting, personal liability, estate information and
financial goals.
TAX & CASH FLOW: We can 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. Keep in mind, POM is not a tax services Firm and clients should
consult a tax professional for specific tax questions and advice.
INVESTMENTS: We can analyze investment alternatives and their effect on the client's portfolio.
INSURANCE: We can review existing policies to ensure proper coverage for life, health, disability,
long-term care, liability, home and automobile.
RETIREMENT: We can analyze current strategies and investment plans to help the client achieve his
or her retirement goals.
DEATH & DISABILITY: We can review the client's cash needs at death, income needs of surviving
dependents, estate planning and disability income.
ESTATE: Some personnel that are appropriately licensed can 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.
A written evaluation of each client's initial situation is provided to the client. Our financial planning and consulting
services do not involve implementing any transaction on your behalf or the active and ongoing monitoring or
management of your investments or accounts. For standalone plans, Clients have the sole responsibility for
determining whether to implement our financial planning and consulting recommendations. To the extent that
the client would like to implement any of our investment recommendations through POM or retain us to actively
monitor and manage your investments, the client must execute a separate written investment advisory services
agreement with POM.
If requested by the client, a written financial plan is presented to the client within three (3) months of the contract
date, provided that all information needed to prepare the written financial plan has been accurately and promptly
provided by the client.
Estate Planning Services
Our Firm offers Estate Planning guidance as part of our ongoing financial planning services to our clients that
consists of education on estate planning topics and the collection of general information necessary to complete a
new estate plan or review a current estate plan. For clients engaging in financial planning services with our firm,
there is no separate fee for estate planning guidance. Our Firm uses the services of a third-party digital estate
planning service for clients who need estate planning review, document creation or updates. This third party
provider is not a law firm.
Tax Planning Services
Our Firm has partnered with CPA firms to provide tax planning advice and tax return filing as part of our financial
planning services to our clients who have $1,000,000 or more in assets under management with our firm. For
clients engaging in financial planning services with our firm, there is no separate fee for tax planning and filing of
individual tax returns. Clients can directly engage the services of the CPA firm or another CPA firm for tax planning
and filing.
Participant Account Management (Discretionary)
We use a third-party platform to facilitate management of held away assets such as defined contribution plan
participant accounts, with discretion. The platform allows us to avoid being considered to have custody of Client
funds since we do not have direct access to Client log-in credentials to affect trades. We are not affiliated with the
platform in any way and receive no compensation from them for using their platform. A link will be provided to
the Client allowing them to connect an account(s) to the platform. Once Client account(s) is connected to the
platform, Adviser will review the current account allocations. When deemed necessary, Adviser 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. Client account(s) will be reviewed at least
quarterly and allocation changes will be made as deemed necessary.
DISCLOSURE REGARDING ROLLOVER RECOMMENDATIONS
When a client or prospect leaves an employer, they typically have five options regarding their existing retirement
plan: (i) leave the money in the former employer’s plan, if permitted; (ii) roll over the assets to the new employer’s
plan, if one is available and rollovers are permitted; (iii) rollover to a brokerage (self-directed) Individual Retirement
Account (“IRA”); (iv) roll over the assets to an advisory IRA; or (v) cash out the account value (which could,
depending upon the client’s age, result in adverse tax consequences). Clients contemplating rolling over
retirement funds to an IRA for us to manage are encouraged to first speak with their CPA or tax attorney.
There is an inherent financial incentive for your IAR to recommend that you roll over your assets into one or more
accounts, because the enrollment will generate compensation based on the increase in your IAR’s total assets
under management. We address these financial compensation conflicts by including the disclosure of the conflicts
in this brochure and by requiring your IAR to recommend investment advisory programs, investment securities,
and services that are in the best interest of each client based upon the client’s investment objectives, risk
tolerance, financial situation, and cost. As fiduciaries of the Investment Advisers Act of 1940, we have to act in
your best interest and not put our interest ahead of yours. At the same time, the way POM makes money creates
some conflicts with your interests. Clients are under no obligation, contractually or otherwise, to complete the
rollover. Furthermore, if the client does complete the rollover, the client is under no obligation to have the assets
in an account managed by us.
WRAP FEE PROGRAM
POM does not offer a Wrap Fee Program, a wrap fee program (i.e., an arrangement where brokerage commissions
and transaction costs are absorbed by the Firm).
ASSETS
As of December 31, 2023, POM has $156,296,371 of discretionary assets under management and $13,012,645 of
non-discretionary assets under management.