Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
- Selection of Others Advisors
- Other
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- Charitable Organizations
- State & Municipal Govt Entities
- Corporations or Other Businesses Not Listed Above
Available Fee Structures
- Percentage of Assets Under Management (AUM)
Associated Investment Services, Inc. Overview
ASSOCIATED INVESTMENT SERVICES, INC. is a registered investment advisory firm based in Green Bay, WI. Founded in 2010, the firm has been providing expert investment advice to individuals and small businesses for over a decade. They offer a fee-based fee arrangement, which means their clients are charged a percentage of their assets under management for their services. As a broker-dealer and insurance broker/agent, ASSOCIATED INVESTMENT SERVICES, INC. is uniquely positioned to provide their clients with holistic financial planning advice that covers all aspects of their financial lives. Their services include portfolio management, selection of other advisors, as well as the MUTUAL FUND WRAP service. Their team of financial advisors works with clients to develop personalized investment strategies that align with their long-term goals and objectives. They are dedicated to providing personalized support and advice to every client and helping them to achieve financial security and success. Overall, ASSOCIATED INVESTMENT SERVICES, INC. is an excellent choice for those seeking comprehensive and trusted investment advice.
(Assets Under Management) hourly rate flat fee performance-based fee ASSOCIATED INVESTMENT SERVICES, INC. serves a wide range of clients with diverse financial goals. Their services cater to individuals, high net worth individuals, charitable organizations, state or municipal government entities, and various other corporation types not listed. Each client’s unique situation is carefully evaluated to determine the most effective financial approach. Whether setting up an IRA account or guiding a corporation through an extensive investment plan, ASSOCIATED INVESTMENT SERVICES, INC. is well-equipped to handle the complexities of any financial situation. The fee structures at ASSOCIATED INVESTMENT SERVICES, INC. are designed to be flexible and transparent, set up to meet the individual needs of each client. Depending on the service provided, clients can expect a percentage of AUM (Assets Under Management) charge, hourly rate, flat fee, or performance-based fee. These fees are carefully explained before any services are provided, ensuring that the client fully understands the financial commitment required. ASSOCIATED INVESTMENT SERVICES, INC. is committed to providing clear and concise financial structures, helping clients achieve their goals while remaining fully knowledgeable about the associated costs.
Typical Clients, Fee Structures & Investment Minimum
The investment minimum for Associated Investment Services, Inc. varies depending on the program. According to their Part 2 Brochure note about investment minimums, the investment minimums are as follows: $50,000 for the ASAP Program, Russell Strategist, Vanguard Core Strategist, Wilshire Strategist, American Funds PMC Active Core, SIGMA, and PMC Strategic ETF Portfolio; $100,000 for Innealta Dynamic ETF Portfolios; $100,000 to $500,000 for Envestnet SMA; $200,000, $500,000, or $1,000,000 for PMC LEM Program based on the tier selected; and $50,000 for the BlackRock Model and Pimco Model.
How This Office Can Help Manitowoc, WI Residents
Associated Investment Services aims to assist clients in Manitowoc, WI, by providing comprehensive financial planning services. They offer various investment and insurance products and services, such as retirement planning, wealth accumulation, estate planning, and risk management. Associated Investment Services understand that people living in Manitowoc may have different financial situations and needs. For instance, some may be struggling with debt, while others may need to invest for their children's future education. Hence, their team of experienced financial advisors is equipped to provide personalized solutions and strategies that are tailored to meet specific financial goals. Additionally, Manitowoc, WI, has a diverse economy, with several industries, including manufacturing, healthcare, tourism, and agriculture. Therefore, Associated Investment Services can help individuals in Manitowoc navigate the complexities of the local economy and the global markets, and capitalize on investment opportunities for growth and financial security. Ultimately, the goal of Associated Investment Services is to help its clients in Manitowoc, WI, achieve financial independence and peace of mind.
Services Offered by Associated Investment Services, Inc.
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 Associated Investment Services, Inc. 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.
Unavailable
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.
Subscription (Newsletter or Periodical)
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.
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
Firm Headquarters
This firm has no other locations.
State Registrations
Associated Investment Services, Inc. is registered to service clients in the following states:
- Arizona
- California
- Florida
- Georgia
- Illinois
- Indiana
- Iowa
- Louisiana
- Michigan
- Minnesota
- Missouri
- Nebraska
- Nevada
- Ohio
- South Carolina
- Texas
- Wisconsin
Disciplinary History
Associated Investment Services, Inc. does not have any disclosures. Please visit it's Form ADV for more details.