Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- Corporations or Other Businesses Not Listed Above
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Hourly
- Fixed Fees (Other than subscription)
Bpc Advisors LLC Overview
BPC ADVISORS LLC is a registered investment advisory firm offering investment advice only. As a fee-only firm, clients can trust that their interests come first, without worry about commissions or product sales. The firm is headquartered in East Syracuse, NY and has been in business since 2019. At BPC ADVISORS LLC, clients have access to financial planning services and portfolio management for both individuals and small businesses. The team works closely with each client to understand their unique financial goals and create a plan customized to their needs. Through their portfolio management services, BPC ADVISORS LLC endeavors to maximize investment returns while minimizing risk. Whether you are an individual preparing for retirement or a small business owner looking to grow your assets, BPC ADVISORS LLC can help you achieve your financial goals. With their investment advice-only philosophy, fee-only arrangement, and personalized services, clients can trust they are in good hands.
BPC Advisors LLC is a financial advisory firm that caters to a diverse clientele. Their expertise encompasses individuals, high net worth individuals, and other corporations. The firm prides itself on providing personalized financial advice, tailored to meet the specific needs of each client. Whether it's retirement planning, estate planning, or investments, BPC Advisors LLC has a team of skilled professionals to help clients navigate their financial journey. When it comes to fees, BPC Advisors LLC provides different structures depending on the service provided. The fees can be a percentage of the assets under management (AUM), hourly fees, or fixed fees. For clients who require ongoing management, a percentage of AUM fee structure would be ideal. For clients who need occasional consultations, an hourly fee may be more appropriate. Fixed fees are applicable for clients who require a specific service that can be quoted upfront. With these available fee structures, clients can choose the option that best suits their financial needs and goals. BPC Advisors LLC is committed to providing transparent and competitive fees to ensure that clients get the best value for their money.
Typical Clients, Fee Structures & Investment Minimum
Unfortunately, the Part 2 Brochure for BPC Advisors LLC does not provide any information about their investment minimum. There is no note or mention of investment minimums within the brochure. Therefore, it is unclear what the minimum investment requirement is for this firm. It is recommended to contact BPC Advisors LLC directly to inquire about their investment minimums.
How This Office Can Help Fayetteville, NY Residents
BPC Advisors is a trusted financial planning and investment advisory firm that offers a range of services to clients in Fayetteville, NY. As a fee-only firm, they provide unbiased advice and tailored solutions to help clients achieve their financial goals. BPC Advisors assists clients in various financial situations, including those who are planning for retirement, saving for college, managing their investments, or seeking tax-efficient strategies. For someone living in Fayetteville, NY, they may be facing challenges such as high living expenses, increasing healthcare costs, and volatile stock market conditions. BPC Advisors can help clients navigate these challenges by designing a comprehensive financial plan that addresses their individual needs and goals. They work closely with clients to understand their financial situation, risk tolerance, and investment objectives to develop a customized portfolio that maximizes their returns while minimizing risk. BPC Advisors provides ongoing guidance and support to help clients remain on track and adjust their plan as needed to achieve long-term financial success.
Services Offered by Bpc Advisors LLC
Core Advisor Services
Financial Planning
Financial planning services encompass the process of devising strategies for your future financial well-being, including preparing for events such as retirement, funding your child's college education, or planning for the transfer of assets.
Portfolio Management for Individuals & Small Businesses
Portfolio management entails the careful selection and strategic management of investment combinations tailored to meet the needs of individuals and small businesses.
Market Timing Services
Market timing services involve the endeavor to generate short-term profits from investments by capitalizing on opportunities to buy at low prices and sell at high prices.
Other Services
Selection of Other Advisors
The firm provides support in selecting and engaging other advisors who possess specialized expertise to complement your financial needs.
Publication of Periodicals or Newsletters
The firm engages in the dissemination of diverse financial educational materials through the publication of periodicals.
Educational Seminars & Workshops
The firm organizes and conducts seminars or workshops aimed at enlightening investors on various financial concepts.
Fee Structures
Financial advisory fees usually are based on the services provided. Fee types charged by Bpc Advisors LLC most likely consist of the following fee types: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm.
Available
Percentage of Assets Under Management (AUM)
This fee structure charges a percentage of the assets under management by the firm. Fee structures are often tiered based on the amount of assets managed, with higher AUM often charged a lower rate.
Between 0.50% and 2.00% of assets under management (annually), often lower for a robo advisor. Fees are typically charged quarterly by the firm and will show on your investment statement. View typical advisor costs here.
~96% of registered firms offer this fee structure.
If you have $1 million managed by a firm at a 1% management fee, you would be charged $10,000/year to manage your assets (or $2,500 per quarter). This would be automatically deducted from your investment portfolio.
Hourly
Similar to an attorney, a financial consultant might charge fees based on hourly rates. This fee structure can be advantageous when seeking specific or ad hoc advice.
Charges generally span from $150 to $400 per hour, depending on the extent of the services required.
~33% of registered firms offer this fee structure.
If you needed hourly consulting to sell a business or transfer your estate to your children but did not want your assets managed by a firm, you could consult a firm at an hourly rate to answer any questions you may have.
Fixed Fees (Other than subscription)
Fixed fees are a one-time, lump-sum payment rendered for a specific service, such as creating a financial plan without ongoing management or implementation. This option is beneficial if you solely require guidance for a particular objective rather than a long-term consultancy or asset management.
Fixed fees for creating a financial plan often range from $1,000 to $3,000.
~49% of registered firms offer this fee structure.
If you did not want a firm to manage your assets but needed to create a retirement plan, life transition plan such as divorce or loss of a spouse, estate transition plan, business financial plan, or any other financial planning, you could consult with an RIA firm to help you with the creation of that plan.
Unavailable
Subscription (Newsletter or Periodical)
Commissions
Occasionally, advisors are compensated through commissions by selling certain financial products, such as mutual funds or life insurance policies, or as a broker-dealer by facilitating the buying and selling of securities. Advisors who receive commissions may be incentivized to make specific suggestions to clients in order to secure a commission. Advisors who operate on a fee-only basis do not earn commissions, whereas fee-based advisors may do so.
Often 3% - 6% of the value of the security.
Only ~3% of registered firms say they offer this fee structure, but other advisors may receive “soft dollars”. Many mutual funds charge 12b-1 fees to cover the promoting and selling of the fund’s shares. While your advisor does not charge these fees, they may receive a kickback for recommending the investment.
An advisor selling their client on a life insurance policy and receiving a commission on the sale of that policy, or recommending a specific investment and receiving a kickback for that recommendation.
Performance-based Fees
Advisors typically obtain performance-based fees if a portfolio surpasses a predefined benchmark. This fee is determined through various methods, but is most commonly assessed as a percentage of investment gains. Performance-based fees may incentivize advisors to undertake riskier decisions in pursuit of generating higher returns.
“Two and Twenty” is common among hedge funds with a 2% management fee and a 20% incentive fee above the “hurdle rate,” or performance threshold the fund is compared against.
32% of registered firms offer this fee structure.
A hedge fund earns a 15% return with a 20% performance fee in above the performance of the S&P 500, which grew 7% that same year.
20% of fund growth in excess of S&P 500’s 7% growth for that year = 15% hedge fund growth - 7% S&P 500 growth = 8% difference x 20% = 2% performance fee (in addition to the management fee).
Other
Firms occasionally offer unconventional fee structures when charging clients. For more detailed information about a firm’s specific fee structures, please refer to their Form ADV and Part 2 Brochure.
Types of Clients
*The Securities & Exchange Commission defines someone as “high net worth” if they have $750,000 or more in investable assets or $1.5M of estimated total net worth.
This Office Location
Other Office Locations
This firm has no other locations.
State Registrations
Bpc Advisors LLC is registered to service clients in the following states:
- Florida
- New York
Disciplinary History
Bpc Advisors LLC does not have any disclosures. Please visit it's Form ADV for more details.