A. Description of the Advisory Firm
This firm has been in business since August 6, 2008, and the principal owner is Gene
Dickison.
B. Types of Advisory Services
MtM Financial Group, LLC (hereinafter “MtM”) offers the following services to advisory
clients:
Investment Supervisory Services
MtM offers ongoing portfolio management services based on the individual goals,
objectives, time horizon, and risk tolerance of each client. MtM creates an Investment
Strategy for each client, which outlines the client’s current situation (income, tax levels,
and risk tolerance levels) and then constructs a plan (the Investment Policy Strategy) to
aid in the selection of a portfolio that matches each client’s specific situation. Investment
Supervisory Services include, but are not limited to, the following:
• Investment strategy • Personal investment policy
• Asset allocation • Asset selection
• Risk tolerance • Regular portfolio monitoring
MtM evaluates the current investments of each client with respect to their risk tolerance
levels and time horizon. MtM will request discretionary authority from clients in order
to select securities and execute transactions without permission from the client prior to
each transaction. Risk tolerance levels are documented in client file and client account
form.
Financial Planning
MtM financial planning clients receive services in three specific areas. First, complete
financial, personal and objectives data is collected and organized. Second, a complete
written analysis is provided to the client outlining advisory recommendations. Third,
assistance is provided in the implementation of the recommendations made. Financial
plans and financial planning may include, but are not limited to: investment planning,
life insurance; tax concerns; retirement
planning; college planning; and debt/credit
planning. These services are based on fixed fees or hourly fees and the final fee structure
is documented in Exhibit II of the Financial Planning Agreement.
Newsletter
MtM provides a monthly newsletter, More than Money with Gene Dickison, at no fee to
their clients.
Services Limited to Specific Types of Investments
MtM limits its investment advice and/or money management to mutual funds, equities,
bonds, fixed income, debt securities, ETFs, real estate, hedge funds, third party money
managers, REITs, insurance products including annuities, private placements,
government securities. MtM may use other securities as well to help diversify a
portfolio when applicable.
C. Client Tailored Services and Client Imposed Restrictions
MtM offers the same suite of services to all of its clients. However, specific client
financial plans and their implementation are dependent upon the client Investment
Policy Strategy which outlines each client’s current situation (income, tax levels, and risk
tolerance levels) and is used to construct a client specific plan to aid in the selection of a
portfolio that matches restrictions, needs, and targets.
Clients may impose restrictions in investing in certain securities or types of securities in
accordance with their values or beliefs. However, if the restrictions prevent MtM from
properly servicing the client account, or if the restrictions would require MtM to deviate
from its standard suite of services, MtM reserves the right to end the relationship.
D. Wrap Fee Programs
MtM does not participate in any wrap fee programs.
E. Amounts Under Management
MtM has the following assets under management:
Discretionary Amounts: Non-discretionary Amounts: Date Calculated:
$377,800,000.00 $0.00 December 2022