Firm Description ABERDEEN WEALTH MANAGEMENT LLC, (“FIRM NAME”) was founded in 2000.
ABERDEEN WEALTH MANAGEMENT LLC provides personalized confidential investment management and financial planning to individuals, pension and profit sharing plans, trusts, estates, charitable organizations and small businesses. Advice is provided through consultation with the client and may include: investment management, coordination of other investment managers as may be requested by the client, determination of financial objectives, identification and resolution of financial problems, cash flow management, debt management, tax planning, company benefits planning, insurance review, education funding, charitable entity counseling, retirement planning, and estate planning. ABERDEEN WEALTH MANAGEMENT LLC is strictly a fee-only investment management and financial planning firm. The firm does not sell annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. The firm is not affiliated with entities that sell financial products or securities. No commissions in any form are accepted. No finder’s fees are accepted.
Investment advice is an integral part of financial planning. In addition, ABERDEEN WEALTH MANAGEMENT LLC advises clients regarding cash flow, college planning, retirement planning, tax planning and estate planning.
ABERDEEN WEALTH MANAGEMENT LLC does not act as a custodian of client assets. The client always maintains asset control. ABERDEEN WEALTH MANAGEMENT LLC places trades for clients under a limited power of attorney.
Other professionals (e.g., lawyers, accountants, insurance agents, etc.) are engaged directly by the client on an as-needed basis. Conf licts of interest will be disclosed to the client in the unlikely event they should occur. In some instances, ABERDEEN WEALTH MANAGEMENT LLC may employ third parties as approved or requested by the client to provide additional services. Specifically, By All Accounts is used to retrieve and aggregate client financial data from other sources if requested by the client. Also, Northern Capital may be employed at the client request to handle part or all of the fixed income component of a client’s investment portfolio.
Principal Owners ROBERTA B. FERGUSON is a 50% member. KEVIN P. SCULLION is a 50% member.
Types of Advisory Services ABERDEEN WEALTH MANAGEMENT LLC provides investment supervisory services, also known as investment management services; manages investment advisory accounts not involving investment supervisory services and furnishes investment advice through consultations.
In addition, ABERDEEN WEALTH MANAGEMENT LLC furnishes advice to clients on matters not involving securities, such as financial planning matters, taxation issues, and trust services that often include estate planning.
As of December 31, 2023, ABERDEEN W EALTH MANAGEMENT LLC manages approximately $569,300,000 in assets for approximately 180 clients. Approximately $547,700,000 is managed on a discretionary basis, and $21,600,000 is managed on a non-discretionary basis. Tailored Relationships An Investment Objectives statement is created for each client that reflects the risk tolerances and investment objectives. Clients may impose restrictions on investing in certain securities or types of securities. Agreements may not be assigned without the client’s consent.
Types of Agreements The following agreements define the typical client relationships.
Financial Planning Agreement If requested by the client, a financial plan is designed to help the client with all aspects of financial planning without ongoing investment management after the financial plan is completed. The financial plan may include, but is not limited to: a net worth statement; a cash flow statement; a review of investment accounts, including reviewing asset allocation and providing repositioning recommendations; a review of company benefits, strategic tax planning; a review of debt, a review of retirement accounts and plans including recommendations; a review of insurance policies and recommendations for changes, if necessary; one or more retirement scenarios; estate planning review and recommendations; and education planning with funding recommendations. Detailed investment advice and specific recommendations are provided as part of a financial plan. Implementation of the recommendations

is at the discretion of the client.
The fee for a financial plan is predicated upon the facts known at the start of the engagement. The minimum fee is NEGOTIABLE. Since financial planning is a discovery process, situations occur wherein the client is unaware of certain financial exposures or predicaments. In the event that the client’s situation is substantially different than disclosed at the initial meeting, a revised fee will be provided for mutual agreement. The client must approve the change of scope in advance of the additional work being performed when a fee increase is necessary.
After delivery of a financial plan, future face-to-face meetings may be scheduled as necessary for up to one month. Follow-up implementation work is billed separately at the rate of $450.00 per hour. Investment Advisory Agreement Clients may choose to have ABERDEEN WEALTH MANAGEMENT LLC manage their investment assets in order to obtain ongoing in-depth advice and life planning Prior to the start of the work, Investment Advisory Agreement is provided to the client for investment management services. The annual Investment Advisory Agreement fee is based on a percentage of the investable assets according to the following schedule: _1.00%_ on the first $3,000,000; _0.75%_ on the next $2,000,000 (from 3,000,001 to 5,000,000); and _Negotiable on the assets above $5,000,000. The minimum annual fee is $5,000.00 and is NEGOTIABLE. Current client relationships may exist where the fees are higher or lower than the fee schedule above and fees may be negotiated from time to time.
Although the Investment Advisory Agreement is an ongoing agreement and constant adjustments are required, the length of service to the client is at the client’s discretion. The client or the investment manager may terminate an Agreement by written notice to the other party. At termination, fees will be billed on a pro rata basis for the portion of the quarter completed. The portfolio value at the completion of the prior full billing quarter is used as the basis for the fee computation, adjusted for the number of days during the billing quarter prior to termination. Retainer Agreement In some circumstances, a Retainer Agreement is executed in lieu of an Investment Advisory Agreement when it is more appropriate to work on a fixed-fee basis. The typical annual fee for a Retainer Agreement is $5,000.00 and is NEGOTIABLE. Hourly Planning Engagements ABERDEEN WEALTH MANAGEMENT LLC provides hourly planning services for clients who need advice on a limited scope of work. The hourly rate for limited scope engagements is $450.00. Asset Management Assets are invested primarily stocks, bonds and in no-load or low-load mutual funds and exchange-traded funds, usually through discount brokers or fund companies. Fund companies charge each fund shareholder an investment management fee that is disclosed in the fund prospectus. Brokerage firms may charge a transaction fee for the purchase of some funds. The brokerage firm where the client account is held charges a fee for trades (purchase and sales) of stocks, bonds, certain mutual funds and exchange traded funds. ABERDEEN WEALTH MANAGEMENT LLC does not receive any compensation, in any form, from fund companies.
Investments may also include: equities (stocks), warrants, corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company securities (variable life insurance, variable annuities, and mutual funds shares), U. S. government securities, options contracts, futures contracts, and interests in partnerships. Initial public offerings (IPOs) are not available through ABERDEEN WEALTH MANAGEMENT LLC. Termination of Agreement A Client may terminate any of the aforementioned agreements at any time by notifying ABERDEEN WEALTH MANAGEMENT LLC in writing and paying the rate for the time spent on the investment advisory engagement prior to notification of termination. If the client made an advance payment, ABERDEEN WEALTH MANAGEMENT LLC will refund any unearned portion of the advance payment.
ABERDEEN WEALTH MANAGEMENT LLC may terminate any of the aforementioned agreements at any time by notifying the client in writing. If the client made an advance payment, ABERDEEN WEALTH MANAGEMENT LLC will refund any unearned portion of the advance payment.