Description of Pointer Financial Advisors Pointer Financial Advisors is organized as a limited liability company under the laws of the state of Maryland and incepted in April 2023. Pointer Financial Advisors is wholly owned by Timothy Nicholas Mudd. Pointer Financial Advisors was launched to provide a broad range of investment advisory services to its clients. Pointer Financial Advisors offers a variety of advisory services, which include investment management services and financial planning services. Prior to the Firm’s rendering of any of the foregoing advisory services, clients are required to enter into one or more written agreements with the Firm setting forth the relevant terms and conditions of the advisory relationship (the “Advisory Agreement”). While this Brochure generally describes the business of Pointer Financial Advisors, certain sections also discuss the activities of its Supervised Persons, which refer to the Firm’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees, and other persons who provide investment advice on the Firm’s behalf and are subject to the Firm’s supervision or control. Description of Services Investment Management and Wealth Management Services Pointer Financial Advisors provides discretionary management services to its clients. Discretionary investment management services allow the Firm to implement its recommendations without prior consent from the client. Pointer Financial Advisors primarily allocates client assets among various Common stocks, preferred stocks, convertible stocks, corporate bonds, government bonds, municipal bonds, mutual funds, and exchange traded funds. Portfolios are globally diversified to provide geographical diversification. Where appropriate, the Firm also provides advice about any type of legacy position or other investment held in client portfolios. Clients can engage Pointer Financial Advisors to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, Pointer Financial Advisors directs or recommends the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company, or the custodian designated by the product’s sponsor. Financial Planning Services When desired by our clients, Pointer Financial Advisors provides certain financial planning services to its clients in the following areas, as appropriate for each client:
• Cash flow planning
• Retirement income planning
• Education funding planning
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Insurance [or risk management] planning
• Liability [or debt] planning
• Tax planning
• Estate planning
• Charitable planning Pointer Financial Advisors provides such financial planning services as part of a bundled wealth management arrangement in conjunction with its investment management services if so desired by the client. Currently, Pointer Financial Advisors does not provide stand-alone financial planning services. In performing financial planning services, Pointer Financial Advisors is not required to verify any information received from the client or from the client’s other professionals (e.g., attorneys, accountants) and is expressly authorized to rely on such information. Pointer Financial Advisors recommends certain clients engage the Firm for additional related services and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists for the Firm to recommend that clients engage the Firm to provide (or continue to provide) additional services for compensation, including investment management services. Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by Pointer Financial Advisors under a financial planning engagement. Clients are advised that it remains their responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating, or revising the Firm’s recommendations and/or services. Tailoring of Advisory Services Pointer Financial Advisors tailors its advisory services to meet the needs of its individual clients and seeks to ensure, on a continuous basis, that advisory services are rendered in a manner consistent with those needs and objectives. The Firm consults with clients on an initial and ongoing basis to assess their specific investment objectives, income needs, risk tolerance, time horizon, liquidity constraints, tax situation, and other factors relevant to the management of their portfolios. Clients are advised to promptly notify the Firm if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients can impose reasonable restrictions or mandates on the management of their accounts if the Firm determines, in its sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to the Firm’s management efforts. Wrap Fee Programs Pointer Financial Advisors does not offer advisory services through a wrap fee program. Regulatory Assets Under Management As of the date of this filing, Pointer Financial Advisors manages $ 111,879,752 on a discretionary basis.