Coker & Palmer, Inc. is a SEC-registered investment adviser with its principal place of business located in
Mississippi. Coker & Palmer, Inc. began conducting business in 2020.
Listed below are the firm's principal shareholders (i.e., those individuals and/or entities controlling 25%
or more of this company).
James David Coker, President
Coker & Palmer, Inc. offers the following advisory services to our clients:
INVESTMENT SUPERVISORY SERVICES ("ISS")
INDIVIDUAL PORTFOLIO MANAGEMENT
Our firm provides continuous advice to a client regarding the investment of client funds based on the
individual needs of the client. Through personal discussions in which goals and objectives based on a
client's particular circumstances are established, we develop a client's personal investment policy and
create and manage a portfolio based on that policy. During our data-gathering process, we determine
the client's individual objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, we
also review and discuss a client's prior investment history, as well as family composition and
background.
We manage these advisory accounts on a discretionary or non-discretionary basis. Account supervision
is guided by the client's stated objectives (i.e., maximum capital appreciation, growth, income, or
growth and income), as well as tax considerations.
Clients may impose reasonable restrictions on investing in certain securities, types of securities, or
industry sectors.
Our investment recommendations are not limited to any specific product or service offered by a broker-
dealer or insurance company and will generally include advice regarding the following securities:
Exchange-listed securities
Securities traded over-the-counter
Corporate debt securities (other than commercial paper)
Certificates of deposit
Municipal securities
Variable life insurance
Variable annuities
Mutual fund shares
United States governmental securities
Options contracts on securities
Because some types of investments involve certain additional degrees of risk, they will only be
implemented/recommended when consistent with the client's stated investment objectives, tolerance
for risk, liquidity and suitability.
INDIVIDUAL PORTFOLIO MANAGEMENT
Our firm provides non-continuous asset management of client funds based on the individual needs of
the client. Through personal discussions in which goals and objectives based on the client's particular
circumstances are established, we develop the client's personal investment policy. We create and
manage a portfolio based on that policy. During our data-gathering process, we determine the client's
individual objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, we may also
review and discuss a client's prior investment history, as well as family composition and background.
We manage these advisory accounts on a non-discretionary basis. Account supervision is guided by the
client's stated objectives (i.e., maximum capital appreciation, growth, income, or growth and income),
as well as tax considerations.
Clients may impose reasonable restrictions on investing in certain securities, types of securities, or
industry sectors.
Once the client's portfolio has been established, we review the portfolio according to your agreement
with your financial professional as part of our standard service, and if necessary, rebalance the portfolio
on an annual basis, based on the client's individual needs.
Our investment recommendations are not limited to any specific product or service offered by a broker-
dealer or insurance company and will generally include advice regarding the following securities:
Exchange-listed securities
Securities traded over-the-counter
Corporate debt securities (other than commercial paper)
Certificates of deposit
Municipal securities
Mutual fund shares
United States governmental securities
Options contracts on securities
Because some types of investments involve certain additional degrees of risk, they will only
be implemented when consistent with the client's stated investment objectives, tolerance for risk,
liquidity and suitability.
MANAGER SELECTION PROGRAMS
We also offer advisory management services to our clients through the Manager Selection Programs
(hereinafter, "Programs").
Our firm provides the client with an asset allocation strategy developed through personal discussions in
which goals and objectives based on the client's particular circumstances are established. This asset
allocation strategy is drafted into the client's Personal Investment Policy Statement ("PIPS").
Based on the client's individual circumstances and needs (as exhibited in the client's PIPS) we will then
perform management searches of various unaffiliated registered investment advisers to identify which
registered investment adviser's portfolio management style
is appropriate for that client. Factors
considered in making this determination include account size, risk tolerance, the opinion of each client
and the investment philosophy of the selected registered investment adviser. Clients should refer to the
selected registered investment adviser's Firm Brochure or other disclosure document for a full
description of the services offered. We are available to meet with clients on a regular basis, or as
determined by the client, to review the account.
Once we determine the most suitable investment adviser(s) for the client, we provide the selected
adviser(s) with the client's PIPS. The adviser(s) then creates and manages the client's portfolio based on
the client's individual needs as exhibited in the PIPS.
We monitor the performance of the selected registered investment adviser(s). If we determine that a
particular selected registered investment adviser(s) is not providing sufficient management services to
the client, or is not managing the client's portfolio in a manner consistent with the client's PIPS, we may
suggest that the client contract with a different registered investment adviser and/or program sponsor.
Under this scenario, our firm assists the client in selecting a new registered investment adviser and/or
program. However, any move to a new registered investment adviser and/or program is solely at the
discretion of the client.
FINANCIAL PLANNING
We provide financial planning services. Financial planning is a comprehensive evaluation of a client's
current and future financial state by using currently known variables to predict future cash flows, asset
values and withdrawal plans. Through the financial planning process, all questions, information and
analysis are considered as they impact and are impacted by the entire financial and life situation of the
client. Clients purchasing this service receive a written report which provides the client with a detailed
financial plan designed to assist the client achieve his or her financial goals and objectives.
In general, the financial plan can address any or all of the following areas:
PERSONAL: We review family records, budgeting, personal liability, estate information and
financial goals.
TAX & CASH FLOW: We 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.
INVESTMENTS: We analyze investment alternatives and their effect on the client's portfolio.
INSURANCE: We review existing policies to ensure proper coverage for life, health, disability,
long-term care, liability, home and automobile.
RETIREMENT: We analyze current strategies and investment plans to help the client achieve his
or her retirement goals.
DEATH & DISABILITY: We review the client's cash needs at death, income needs of surviving
dependents, estate planning and disability income.
ESTATE: We 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.
We gather required information through in-depth personal interviews. Information gathered includes
the client's current financial status, tax status, future goals, returns objectives and attitudes towards
risk. We carefully review documents supplied by the client, including a questionnaire completed by the
client, and prepare a written report. Should the client choose to implement the recommendations
contained in the plan, we suggest the client work closely with his/her attorney, accountant, insurance
agent, and/or stockbroker. Implementation of financial plan recommendations is entirely at the client's
discretion.
We also provide general non-securities advice on topics that may include tax and budgetary planning,
estate planning and business planning.
Exchange-listed securities
Securities traded over-the-counter
Corporate debt securities (other than commercial paper)
Certificates of deposit
Municipal securities
Variable life insurance
Variable annuities
Mutual fund shares
United States governmental securities
Options contracts on securities
Typically the financial plan is presented to the client within six months of the contract date, provided
that all information needed to prepare the financial plan has been promptly provided.
Financial Planning recommendations are not limited to any specific product or service offered by a
broker-dealer or insurance company. All recommendations are of a generic nature.
AMOUNT OF MANAGED ASSETS
As of 03/01/2024, we were actively managing $224,379,508 of clients' assets, of which we were
overseeing $32,568,000 of clients' assets that are managed by third-party money managers, plus
$567,158,000 of clients' assets on a non-discretionary basis.