Atwood & Palmer, Inc., an SEC-registered investment adviser, founded in 1990, has provided investment advisory services for over 30 years. Steven N. Palmer, William N.
Palmer, Steven P. Franke, Spencer A. Jones, Peter J. Sowden are the firm's principal shareholders. Teresa Burch is the CCO.
Atwood & Palmer, Inc. may enter into a Discretionary Investment Management Agreement with its clients. Atwood & Palmer, Inc. provides individualized discretionary investment management services to various categories of institutional and individual clients who contract with us directly. After thorough discussions, we help create an individualized Investment Policy Statement (IPS) based on client goals, objectives, risk tolerances, liquidity needs and suitability. The IPS dictates how we will customize and manage each client's investment portfolio. The IPS is a document, reviewed regularly, and may be modified as clients’ goals, objectives, risk tolerances and liquidity needs evolve.
We manage advisory accounts on a discretionary basis and are guided by the Investment Policy Statement, current and projected market conditions and tax considerations. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors.
Client portfolios consist primarily of stocks, exchanged traded funds or fixed income securities. Clients may request Atwood & Palmer, Inc. to invest in securities outside of the firm's normal investment process.
Investments are generally made in individual securities. Atwood & Palmer, Inc. may employ various Exchange Traded Products for further diversification or to gain exposure to other areas of the financial markets (i.e. International and Emerging markets, Commodities, Volatility, etc).
Certain investments involve varying degrees of risk. All investments are recommended and implemented only when consistent with the clients stated Investment Policy Statement.
Financial Planning We offer comprehensive financial planning for our clients. The cost of creating and maintaining the plan is included in our fee (based off of the assets under management). We provide financial planning services on topics such as retirement planning, risk management, college savings, cash flow, social security, debt management, charitable giving, work benefits, and estate and incapacity planning. Many aspects of the plans we offer are in conjunction with outside professionals, who may have their own fees associated with the plan (i.e., CPA’s, Insurance Agents and Estate Planning Attorneys).
We will work with the client to determine

the client’s personal financial situation and goals and analyze the client’s financial documentation to obtain a full picture of the client’s financial health. We meet with the client to review the plan and the recommendations. We are always 5 |P a g e available to work with the client in implementing the plan. The client will be responsible for the implementation or rejection of the plan as well as communicating changes so the plan can be revised.
Financial Planning is not a science. It is based off assumptions and historical data, which if different, could affect the outcome of the plan. Financial Planning is a process that should be updated as situations and market conditions change. This is communicated to each client we work with. The client is never obligated or required to implement our recommendations.
Alternative Investment Selection and Monitoring Services Where appropriate and in the client’s best interests, Atwood & Palmer may recommend that clients invest a portion of their portfolio in certain privately offered pooled investment vehicles (e.g., private equity funds, hedge funds, commodity pools, and/or other alternative investment vehicles and private placements of securities) (collectively, “Alternative Investments”). Prior to recommending any Alternative Investment to you, Atwood & Palmer will conduct due diligence that may include one or more of the following steps: phone calls, meetings, and e-mail correspondence with the issuer of the Alternative Investment and its management personnel; review of the Alternative Investment’s offering materials, critical service providers and portfolio managers; review of the past performance of the Alternative Investment (if any); and review of the overall offering terms. Assuming the Alternative Investment is otherwise suitable and appropriate for investment by the client, we will then recommend the Alternative Investment to you, and you will make the final decision whether to invest. If you decide to proceed with the investment, Atwood & Palmer will assist you in completing the necessary subscription and account opening documentation of the Alternative Investment and will provide monitoring of the investment on your behalf, including phone calls, meetings, and correspondence with the issuer of the Alternative Investment and review of any periodic account statements, notices, financial statements, and/or other information distributed to you by the Alternative Investment and/or its issuer.
AMOUNT OF MANAGED ASSETS As of 12/31/2023, we actively manage $1,439,869,002 of client assets on a discretionary basis.
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