Sound & Secure Advisors LLC (hereinafter “SSA” or the “firm”) is a registered investment advisor based in Rockville
Centre, New York. We are a limited liability company organized under the laws of the State of New York. We have
been providing investment advisory services since 2022. Eve E. Schniebolk, CFP® is the principal owner of SSA.
Ms. Schniebolk has been providing investment advisory services since 1985.
You may see the term Associated Person throughout this Brochure. As used in this Brochure, this term refers to
anyone from our firm who is an officer, an employee, and all individuals providing investment advice on behalf of
our firm. Where required, such persons are properly registered as investment adviser representatives.
Currently, we offer the following investment advisory services, personalized for each individual client:
• Consulting Services
• Portfolio Management Services
Consulting Services
SSA offers various securities and non-securities related consulting services. These services are designed to assist
clients in the management of their financial resources. Services include the identification of financial goals and
objectives, collection and assessment of all relevant data, identification of financial problems and formulation of
solutions, and the preparation of financial plans in the form of specific verbal or written recommendations. The
services we provide will typically focus on one or more of the following areas:
• Cash Flow Analysis – Assessment of present financial situation by collecting information regarding net
worth and cash flow statements, tax returns, insurance policies, investment portfolios, pension plans,
employee benefit statements, etc. SSA advises on ways to reduce risk; and, to coordinate and organize
records and estate information.
• Retirement Analysis – Identification of long-term financial and personal goals and objectives including
advice for accumulating wealth for retirement income or appropriate distribution of assets following
retirement. Tax consequences and implications are identified and evaluated.
• Insurance Analysis – Includes risk management associated with advisory recommendations based on a
combination of insurance types to meet your needs, e.g., life, health, disability, and long-term care
insurance. This will necessitate an analysis of cash needs of the client’s family at death, income needs of
surviving dependents, and potential disability income needs.
• Portfolio Analysis/Investment Planning – Presentation of investment alternatives, including asset
allocation and its effect on the client’s portfolio; evaluation of economic and tax characteristics of
existing investments as well as their suitability for the client; and, identification and evaluation of tax
consequences and their implications.
• Education Savings Analysis – Alternatives and strategies with respect to the complete or partial funding
of college or other post-secondary education.
• Estate Analysis – Advising clients with respect to property ownership, distribution strategies, estate tax
reduction, and tax payment techniques.
• Tax Analysis and Planning – The goal of tax planning is to arrange your financial affairs to minimize your
taxes. There are three basic ways to reduce your taxes, and each basic method might have several
variations. You can reduce your income, increase your deductions, and take advantage of tax credits.
Consulting services are based on your financial situation and the financial information you provide to our firm. If
your financial situation, goals, objectives, or needs change, you must notify us promptly. You may choose to
accept or reject our recommendations. If you decide to proceed with our recommendations, you may do so either
through our firm or by using the advisory/brokerage firm of your choice.
Portfolio Management Services
SSA provides discretionary, and in limited cases, non-discretionary portfolio management services to our clients.
Discretionary portfolio management means we will make investment decisions and place buy or sell orders in
your account without contacting you. These decisions would be made based upon your stated investment
objectives. If you wish, you may limit our discretionary authority by, for example, setting a limit on the type of
securities that can be purchased for your account. Simply provide us with your restrictions or guidelines in writing.
If you have engaged us for non-discretionary portfolio management services, SSA will obtain your approval prior
to executing any transactions in your account(s).
Our investment advice is tailored to meet our clients’ needs and investment objectives. If you decide to hire our
firm to manage your portfolio, we will meet with you to gather your financial information, determine your goals,
and help you decide how much risk you should take in your investments. The information we gather will help us
implement an asset allocation strategy that will be specific to your goals, whether we are actively investing for
you or simply providing you with advice. We should be notified promptly of any change to your situation, goals,
objectives, or needs.
SSA does not specialize in specific types of securities. We can advise clients on all types of securities, such as
exchange listed equities, over the counter equities, foreign issues, American depository receipts, corporate debt
securities, commercial paper, certificates of deposit, municipal securities, investment company securities
(including mutual funds and exchange traded funds), US Government securities, options contracts on securities
and/or
commodities, structured products, private placements, private equity instruments, and interests in
partnership investing in real estate. Additionally, we will provide advice on existing investments you may hold at
the inception of the advisory relationship or on other types of investments for which you ask advice.
Our asset allocation models are diversified among investment styles and/or asset classes and are developed and
managed by us based on research conducted by our firm. Once the client portfolio is constructed, SSA provides
continuous supervision of the portfolio as changes in the market conditions and client circumstances may require.
Investments and allocations are determined based upon the clients’ predefined objectives, risk tolerance, time
horizons, financial horizons, financial information, and other various suitability factors. Further restrictions and
guidelines imposed by clients may affect the composition and performance of a client’s portfolio. As such,
different clients of our firm may have significant differences in their asset allocation. For these reasons,
performance of one client’s portfolio might not be identical with another client’s even if both clients have similar
risk parameters.
We review the clients’ financial circumstances and investment objectives on a regular basis and make adjustments
to clients’ portfolios or allocation models as may be necessary in an effort to achieve the desired results.
Rollover Services Disclosure
In conjunction with the advisory services offered, we may provide education or recommendations related to the
rollover of an employer sponsored retirement plan. A plan participant leaving employment has several options.
Each choice offers advantages and disadvantages, depending on desired investment options and services, fees
and expenses, withdrawal options, required minimum distributions, tax treatment, and the investor's unique
financial needs and retirement plans. The complexity of these choices may lead an investor to seek assistance
from us.
When our firm or our Associated Person(s) recommend an investor roll over plan assets into an Individual
Retirement Account (“IRA”), our Associated Person(s), and we may earn an asset-based fee as a result. However,
no compensation is received if assets are retained in the plan. Thus, we have an economic incentive to encourage
an investor to roll plan assets into an IRA. In most cases, your fees and expenses will increase because fees will
apply to assets rolled over to an IRA and ongoing services will be extended to these assets.
Further, you may incur other levels of fees and expenses, including, but not limited to, investment-related
expenses imposed by other service providers and mutual fund managers not affiliated with us, as well as other
fees and expenses charged by the custodian, third-party administrator, and/or record-keeper. We make no
representations or warranties relating to any costs or expenses associated with the services provided by any third
parties, and you understand that these fees are in addition to the fee paid to us for the rollover advice.
In cases where we provide you with rollover advice as defined by the Department of Labor, which may also include
setting up and/or completing the rollover transaction, we do not serve as a custodian, and we do not provide
legal advice to you. In addition, we do not have any responsibilities or potential liabilities in connection with assets
not related to the rollover and investments that are not managed by us.
When we provide investment advice to you regarding your retirement plan account or individual retirement
account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or
the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make
money creates some conflicts with your interests. In accordance with various rules and regulations, we must act
in your best interest and we must not put our interests ahead of your interests. Additionally, we must: meet a
professional standard of care when making investment recommendations (give prudent advice); never put our
financial interests ahead of yours when making recommendations (give loyal advice); avoid misleading statements
about conflicts of interest, fees, and investments; follow polices, and procedures designed to ensure that we give
advice that is in your best interest; charge no more than is reasonable for our services; and give you basic
information about any conflicts of interest.
We rely on all information you provide to us, whether financial or otherwise, without independent verification.
We request that you promptly notify us in writing of any material change in the financial and other information
provided to us, and to promptly provide any such additional information as may be reasonably requested by us.
Due to the volatile and unpredictable nature of financial markets, we do not guarantee any future performance,
any specific level of performance, or the success of any recommendations or strategies that we may take or
recommend for you, or the success of our overall recommendations. Investment recommendations are subject
to various market, currency, economic, political, and business risks, and investment decisions will not always be
profitable.
Wrap Fee Programs
We do not sponsor, manage, or participate in any wrap fee programs.
Assets Under Management
As of May 2, 2023, we manage approximately $46,695,914 in client assets on a discretionary basis and $0 in client
assets on a non-discretionary basis.