Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
- Portfolio Management for Businesses or Institutional Clients
- Pension Consulting Services
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- Pension & Profit Sharing Plans
- State & Municipal Govt Entities
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Hourly
Decisionpoint Financial, LLC Overview
DecisionPoint Financial, LLC is a fee-only registered investment advisory firm based in Mesa, AZ. The firm was founded in 2018 and has since established a reputation for providing top-notch investment advice to its clients. As a fee-only firm, DecisionPoint Financial does not receive commissions or any other compensation that could create conflicts of interest. Instead, the firm charges a straightforward fee for their services, ensuring that their clients' interests are always top priority. DecisionPoint Financial offers a range of investment services, including financial planning, portfolio management, and pension consulting. The firm's portfolio management services are available for both individuals and small businesses, as well as businesses and institutional clients. This diverse range of services makes it easy for clients to receive the investment advice they need, whether they are an individual looking for help managing their retirement savings or a company looking for guidance on managing their employee pension plans. Overall, DecisionPoint Financial is a trusted and reliable investment advisory firm with a strong focus on providing fee-only investment advice to its clients. With their comprehensive range of investment services and their commitment to putting their clients' interests first, DecisionPoint Financial is an excellent choice for anyone looking for high-quality investment advice and management.
rate flat fee retainer fee performance-based fee DECISIONPOINT FINANCIAL, LLC caters to a diverse range of clients, including individuals, high net worth individuals, pension or profit sharing plans, and state or municipal government entities. The firm's clientele is not limited to a specific demographic or industry, providing services to a varied set of clients. The financial advisors at DECISIONPOINT FINANCIAL, LLC strategically tailor their services according to the client's unique financial needs and goals. In addition to a customized approach, the firm also offers various fee structures that clients can choose to avail depending on the service provided. Clients can opt for a percentage of assets under management (AUM) as their fee, which is calculated according to the value of the client's portfolio. Alternatively, clients can pay an hourly rate for financial planning or a flat fee for investment advice. DECISIONPOINT FINANCIAL, LLC also offers clients the option to pay retainer fee or performance-based fee, which rewards the firm based on the client's portfolio increased value. The firm's flexible fee structure ensures that clients can choose a payment structure that best suits their financial situation and objectives.
Typical Clients, Fee Structures & Investment Minimum
According to the note in their Part 2 Brochure, DecisionPoint Financial, LLC does not have an investment minimum for their investment advisory services. This means that potential clients are not required to have a certain amount of assets in order to work with the firm and there is no minimum annual fee that they would need to pay.
How This Office Can Help Mesa, AZ Residents
DecisionPoint Financial provides comprehensive financial planning and investment management services for clients in Mesa, AZ. The firm's team of experienced professionals works closely with clients to understand their unique financial situations and develop customized strategies to help them achieve their goals. Living in Mesa, AZ, clients may face a variety of financial challenges, such as preparing for retirement, managing debt, or funding a child's education. DecisionPoint Financial offers a range of services designed to address these and other common financial concerns, including retirement planning, tax planning, estate planning, and investment management. By taking a holistic approach to financial planning, DecisionPoint Financial helps clients in Mesa, AZ build a strong financial foundation and achieve greater peace of mind about their financial future.
Services Offered by Decisionpoint Financial, 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 Decisionpoint Financial, 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.
Unavailable
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
This firm has no other locations.
State Registrations
Decisionpoint Financial, LLC is registered to service clients in the following states:
- Arizona
- Arkansas
- Texas
- Utah
- Washington
Disciplinary History
Decisionpoint Financial, LLC does not have any disclosures. Please visit it's Form ADV for more details.