(530) 589-2515 | info@atlasfa.com
Important information about
our relationship with you.
We believe that a strong relationship built on transparency and trust empowers you to make well-informed decisions about what's right for you.
You have choices in how we work together, including how you receive advice, manage your account, and pay for our services. Your advisor will work with you to create a personalized investment approach tailored to your financial situation, preferences, and goals. These can be implemented through an investment advisory account, a financial planning agreement, or a combination of both.
To support you in making informed investment decisions, we provide key resources and information about the different relationship options available to you. Please review the materials below to understand how we charge for our advice, services, and solutions, and discuss them with your advisor.
The Client Relationship Summary
The Client Relationship Summary (Form CRS) provides an overview of the types of services you receive.
What you should consider when choosing an investment advisory relationship with Atlas.
ATLAS FINANCIAL ADVISORS, INC. is an investment adviser registered with the Securities and Exchange Commission offering advisory accounts and services. Brokerage and investment advisory services and fees differ, and it is important that you understand the differences.
Our Form CRS document gives you a summary of the types of services and fees we offer. Please visit www.investor.gov/CRS for free, simple tools to research firms and financial professionals, as well as educational materials about broker-dealers, investment advisers, and investing.
What investment services and advice can you provide me?
Our firm primarily offers the following investment advisory services to retail clients:
- Portfolio Management (we review your portfolio, investment strategy, and investments).
- Financial Planning (we assess your financial situation and provide advice to meet your goals).
As part of our standard services, we typically monitor client accounts on a monthly basis. Our firm offers both discretionary advisory services (where our firm makes the decision regarding the purchase or sale of investments) as well as non-discretionary services (where the retail investor makes the ultimate decision). We limit the types of investments that are recommended since not every type of investment vehicle is needed to create an appropriate portfolio, but do not limit these investments to proprietary products.
While the firm generally does not impose an account minimum there is one adviser within the firm that does and that is Steven Van Metre. The minimum investment is $150,000 per household (multiple accounts may be opened or transferred to meet the minimum investment requirement). Please also see our Form ADV Part 2A (“Brochure”), specifically Items 4 & 7.
Questions to ask:
- Given my financial situation, should I choose an investment advisory service? Why or why not?
- How will you choose investments to recommend to me?
- What is your relevant experience, including your licenses, education and other qualifications?
- What do those qualifications mean?
What fees will I pay?
Our fees vary depending on the services you receive. However, our subscription fees typically do not fluctuate.
Additionally, the amount of assets in your account affects our advisory fee; the more assets you have in your advisory account, the more you will pay us and thus we have an incentive to increase those assets in order to increase our fee. For hourly fee arrangements, each additional hour (or portion thereof) we spend working for you would increase the advisory fee. Portfolio management fees are typically charged quarterly in advance, while financial planning fees are typically charged in arrears. You pay our fees even if you do not have any transactions and the advisory fee paid to us generally does not vary based on the type of investments selected. Please also see Items 4, 5, 6, 7 & 8 of our Brochure.
Some investments (e.g., mutual funds, variable annuities, etc.) impose additional fees (e.g., transactional fees and product-level fees) that reduce the value of your investment over time. The same goes for any additional fees you pay to a custodian.
Additionally, you will pay transaction fees, if applicable, when we buy or sell an investment for your account. You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. Please also see our Brochure for additional details.
Questions to ask:
- Can you help me understand how these fees and costs might affect my investments?
- If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?
Questions to ask us: What are your legal obligations to me when acting as my investment adviser?
How else does your firm make money and what conflicts of interest do you have?
How might your conflicts of interest affect me, and how will you address them?
When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours.
At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you.
Question to ask us: How do your financial professionals make money?
Primarily, we and our financial professionals receive cash compensation from the advisory services we provide to you because of the advisory fees we receive from you.
This compensation may vary based on different factors, such as those listed above in this Item. Please also see Item 10 of our Brochure for additional details.
Questions to ask us: As a financial professional, do you have any disciplinary history?
For what type of conduct?
Do you or your financial professionals have legal or disciplinary history?
Yes. For free and simple tools to research our firm and representatives, visit Investor.gov.
Where can I find additional information?
For additional information on our advisory services, see our Brochure available at https://adviserinfo.sec.gov/firm/summary/160276 and any individual brochure supplement your representative provides. If you have any questions, need additional information, or want another copy of this Client Relationship Summary, then please contact us at 530.589.2515.
Questions to ask:
01
Who is my primary contact person?
02
Are they a representative of an investment adviser or a broker-dealer?
03
Who can I talk to if I have concerns about how this person is treating me?
A successful retirement starts with the right partner to help you achieve your goals.