P. Koehler, CFP, President of Koehler Financial
Services, Inc. is a registered investment advisor. The information found in this web
site is provided solely as background on the firm and
the services it provides. Koehler Financial Services,
Inc., a Registered Investment Advisor, and their representatives do not use this web site
to implement securities transactions or provide
personalized investment advice. Koehler Financial
Services, Inc., a Registered Investment Advisor, and their
representatives may only conduct business in states where the firm
has met all regulatory requirements. No follow-up with a prospective
client will be made by the firm unless all regulating requirements
have been met. Advisory services are offered through Koehler
Financial Services Inc., a registered investment advisor. 5764 James Dr, Stevensville, MI
49127. (269) 429-0650.
is a federally registered certification mark
of the Certified Financial Planner Board of Standards, Inc. ("CFP Board"). CFP®
and Certified Financial Planner® are federally registered service marks of the CFP Board.
The CFP Board licenses individuals who satisfy its educational, examination, ethics and
experience requirements but does not warrant the correctness of advice given by such
licensees, or the appropriateness of products or services recommended.
I. GENERAL INFORMATION:
Koehler Financial Services, Inc.
5764 James Drive, Stevensville, MI 49127
Telephone number: 269-429-0650
A copy of form
ADV part II is included
with this document.
MATERIAL INFORMATION RELEVANT TO THE PROFESSIONAL RELATIONSHIP
(Written disclosures required to be provided prior to the engagement)
A. Basic philosophy of the CFP
certificant (or firm) in working with clients:
Our approach to personal financial planning
is to obtain from you significant financial and other information
including your attitudes, goals and objective; to analyze the
information obtained in order to develop alternatives for your
consideration; to educate you about the implications of selecting a
particular alternative; to implement the alternative selected by you;
and to periodically update the plan adopted. It is our goal to become
your chief financial adviser and to coordinate the efforts of your other
advisers in your best interests. We want you to be educated about your
own financial affairs and to take an active role in managing them.
B. Philosophy, theory and/or
principles of financial planning which will be utilized:
Our philosophy of financial planning is to
gather adequate reliable information about a client’s personal financial
situation; to determine the client’s goals and objectives, time horizon,
and risk tolerance; to analyze all of the foregoing information in an
objective manner and to develop recommendations for our clients based
upon this thorough analysis and in the interest of rendering
disinterested advice. In a personal financial planning engagement, we
endeavor to consistently act in the interest of our client and to place
his or her interest ahead of our own. Moreover, we believe that a
client should be both informed and proactively involved in his or her
personal financial affairs.
Attached to this disclosure form on schedule D pages 1 and 2 for Randy
P. Koehler and
Erica L. Momany on form ADV part II are resumes of
principals and employees of the CFP
certificant’s firm who are expected
to provide financial planning services:
Description of the financial planning services to be provided by the CFP
You have expressed interest in asset
management services. These services include:
Analysis of your current financial
condition, goals and objectives, and development of a personal financial
Design of an investment portfolio
appropriate to your individual circumstances, needs, goals, risk
tolerance, investment experience and time horizon.
Quarterly written reports on the status of
your investment portfolio.
Ongoing monitoring of your investment
Recommendations involving investment
repositioning and current opportunities for new investments.
Availability of our professional staff to
E. Conflict(s) of interest and source(s) of
Conflict(s) of interest: Koehler Financial,
LLC., Koehler Financial Services Tax, Koehler Financial Services
Mortgage Company. Please see schedule F form ADV part II for
Source(s) of compensation: Fees from
clients and commissions from third parties, marketing expense
reimbursement and educational expense reimbursement from third parties.
Contingencies or other aspects
material to the certificant’s compensation: I will not receive a
commission unless you purchase the financial products recommended by me.
F. Agency or employment relationships:
Material agency or employment relationships
with third parties: Please see schedule F form ADV part II for
Compensation resulting from such agency or
employment relationships: Commissions range from one to ninety
percent on annuities and life insurance.
III. ADDITIONAL NOTIFICATION
A. As a client or prospective client, you
have the right to ask me, as a CFP certificant, at any
information about my compensation related to the services I provide
you. I will
communicate the requested information in reasonable detail
as it related to our financial
planning engagement, including
compensation derived from implementation. This
May be expressed as an approximate dollar
amount or percentage or as a range of dollar amounts or percentages;
Shall be made at a time and to the extent
that the requested information can be reasonably ascertained;
Will be based on reasonable assumptions,
with estimates clearly identified, and;
Will be updated in a timely manner if actual
compensation significantly differs from any estimates.
B. As a CFP certificant’s personal
financial planning client, you have the right to receive
current SEC Form ADV