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AEGIS FINANCIAL is an investment adviser registered with the Securities and Exchange Commission offering advisory accounts and services. This 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 for educational materials about broker-dealers, investment advisers, and investing.
Questions to ask us: 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 these qualifications mean?
Given my financial situation, should I choose an investment advisory service? Why or Why not? What investment services and advice can you provide me?
A fee-based advisory accountmay be appropriate if you value ongoing advice and monitoring of your investments. You should also consider the size of your portfolio, volume, and frequency of trades, investment time horizon, and the projected advisory services.
Our firm offers both discretionary advisory services (where our firm makes the decision regarding the purchase or sale of investments) and non-discretionary services (where the retail investor makes the ultimate decision). We do not limit the types of investments that we recommend. Our firm does not have a minimum account size. Please also see our Form ADV Part 2A (“Brochure”), specifically Items 4 & 7.
How will you choose investments to recommend to me?
We seek to understand your objectives through discussion with you about your financial situation, your unique needs and preferences, prior investment experience, risk tolerance, and any other important information about you. Periodically, we will review your investment strategy to ensure your investment portfolio remains appropriately diversified and aligned with your risk tolerance and objectives. Therefore, it is important for you to notify us of any changes to your financial situation or personal circumstances as our relationship continues.
What is your relevant experience, including your licenses, education, and other qualifications? What do these qualificationsmean?
Our team has many years of combined experience and continue their education through certifications, conferences, seminars, classes, testing, etc. This helps our clients to have confidence that we are staying up to date on current changes, updated tools and strategies, legislation, or other developments in the industry.
Questions to ask us: 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? 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?
Help me understand how these fees and costs might affect my investments. What fees will I pay?We are paid a percentage of assets we manage for you. If your account value goes up, we make more. If your account value goes down, we make less. The advisory fee compensates us for providing ongoing review and recommendations with your accounts and varies depending on the services you receive. The fees are paid in advance and withdrawn directly from your accounts with prior written authorization on a quarterly basis. Additional deposits and withdrawals over $100,000 will be prorated and the adjustments will be made in the following quarter since fees are paid in advance. You pay our fees even if you do not have any transactions and the advisory fee paid to us does not vary based on the type of investments selected. Please also see Items 4, 5, 6, 7 & 8 of our Brochure.
Our fixed fee arrangements are based on the amount of work we expect to perform for you, so material changes in that amount of work will affect the fee we quote to you. Payment of Financial Planning Fees are paid via check. In some cases, fees may be paid by fee deduction if agreed to by the client and the client has a portfolio management account as well. Financial planning fees can be paid both in advance or arrears depending the specific services provided.
Some investments (e.g., mutual funds, variable annuities, etc.) impose additional fees that reduce the value of your investment over time. You typically do not pay transaction fees when we buy and sell an investment in your account, although there may be instances where transaction fees are assessed. 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.
I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?Initially, the full $10,000 would be invested, but would then be reduced by the quarterly fee as it is billed. As a hypothetical, if we assume an annual asset-based fee of 1% on this account then you can expect to pay approximately $100 over that year. The account may be reduced if transaction fees are assessed.
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?As a fiduciary we put our client’s interest first. We demonstrate this by recommending products and services only if they are in your best interest. We will disclose verbally or in written communication any potential conflict of interest in making recommendations. We will take reasonable care to identify, mitigate or eliminate all conflicts to your benefit.
How do your firm make money?Primarily, we benefit from the advisory fees we receive from you. Our financial professionals also can receive commissions from certain investment vehicles that are not offered on a fee basis such as fixed annuities, life, or long-term care insurance. Moreover, we may receive compensation to be used for client events from third parties. We manage this potential conflict of interest by having a well-defined investment selection process. 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?
We do not have legal and disciplinary events. Visit https://www.investor.gov/ for a free, simple search tool to research us and our financial professionals.
Questions to ask us: Who is my primary contact person? Is he or she a representative of an investment adviser or a broker-dealer? Who can I talk to if I have concerns about how this person is treating me?
For additional information on our advisory services, see our Brochure available at https://adviserinfo.sec.gov/firm/summary/305030 and any individual brochure supplement your representative provides. If you have any questions, need additional up-to-date, or want another copy of this Client Relationship Summary, then please contact us at 920-233-4650.
There are no material changes since the prior Client Relationship Summary.