Our Services

 

We provide through Schwab Advisor Services/ Charles Schwab & Co., Inc. Member SIPC Affiliated company and subsidiary of The Charles Schwab Corporation, clients access to Stocks, Fixed Income, ETF's, Mutual Funds, Alternative Investments, Structured Investments, Comodities, Investment Management Services and Separately Managed Accounts. We also provide our client’s access to other third‐party providers of investment management services, managed products, multi‐manager account, and third-party strategists. Securities clearing, custody, or other brokerage services may be provided by Schwab Advisor Services/ Charles Schwab & Co., Inc. Member SIPC Affiliated company and subsidiary of The Charles Schwab Corporation

 

FINANCIAL PLANNING & CONSULTATIONS:

Tomas A Blanno and Company, LLC formulates comprehensive financial plans to assist clients in reaching their financial and retirement goals. We provide consultations and develop plans by evaluating data relative to a client’s personal financial profile, investment objectives and goals, risk tolerance, and tax status. The financial plan also includes information regarding retirement planning, advanced education planning, college planning, plans for major purchases, life and disability insurance needs, long‐term care needs, and simple estate planning issues. The formulated plan may not include information or analysis with respect to tax liabilities, risks or complex estate planning. Comprehensive financial planning services include financial statement and income tax analysis, asset allocation, accumulation goals, risk management, business planning, retirement and estate analysis.


ADVISORY FEES AND COMPENSATION:

Fees are a percentage of assets under management, hourly charges or commissions for insurance products.

The Annual Asset Management Fee Schedule includes preparation of an Individual Financial Plan or Investment Monitoring Report for each client. The investment monitoring report  is made available to clients quarterly by written report.

As an insurance agency, Tomas A Blanno and Company, LLC earns compensation for the sale of insurance products such as fixed annuities, health and long‐term care insurance. We also earn compensation for the sale of whole and term life insurance plans. We also provide relevant advisory administrative services to clients such as bookkeeping and preparation of simple tax returns.

 

TYPE OF CLIENTS:

Tomas A Blanno and Company, LLC manages wealth portfolios for many different types of clients. We generally provide advice to Individuals, High Net‐Worth Individuals, Corporations and other Business entities. There is a minimum value of $25,000 for establishing an account. This minimum account value may vary depending on the type of services. Tomas A Blanno and Company, LLC reserves the right to waive the minimum based on the complexity of the client’s situation and needs, the amount of assets under management, related accounts, or any other reasons in our sole discretion.

 

METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS:

We employ fundamental analysis as our primary method for analyzing funds, portfolios and other investment products to achieve the objectives and goals of our clients. Fundamental analysis consists of analyzing financial statements of companies, calculating financial ratios, and reviewing cyclical trends of industries in conjunction with monetary policy indicators to assess the overall performance and profitability of companies.

We primarily utilize asset allocation strategies mostly by customizing third‐party allocation models. We also employ in depth research and due diligence methodologies to analyze both proprietary and third party statistical performance information relative to portfolios. We use portfolio construction tools, including a subscription‐based analytic tool, that define investable assets and constructs model portfolios using multiple model filters and risk tolerance questionnaires to establish limits for asset classes and investment decisions. Tomas A Blanno and Company, LLC conducts a client risk assessment and creates an Investment Policy Statement (IPS) that is designed to monitoring risk parameters for each client’s investment objective. The investment policy process includes screening various asset classes and investment management styles that, in total, are expected to offer clients portfolio diversification that is consistent with the stated risk and return requirements.

Notwithstanding the method of analysis or investment strategy employed by our firm, the assets within portfolios are subject to risk of devaluation or loss. Tomas A Blanno and Comapny, LLC wants clients to be aware that there are many different events that can affect the value of assets or portfolios including but not limited to, changes in financial status of companies, market fluctuations, changes in exchange rates, trading suspensions and delays, economic reports, and natural disasters. While this information provides a synopsis of the events that may affect your investments, this listing is not exhaustive. There are inherent risks associated with investing and depending on the risk occurrence; clients may suffer LOSS OF ALL OR PART OF THEIR PRINCIPAL INVESTMENT.

 

PORTFOLIO REVIEWS:

Tomas A Blanno and Company, LLC reviews account activity quarterly and at least annually, performs a detailed review of client account activity. Tomas A. Blanno, the Chief Compliance Officer, conducts such reviews of accounts. The reviews consist of determining whether clients’ portfolios align with investment goals and objectives. If reallocation of investments is necessary, we may sell underperforming investments or and rebalance with new investments that are more appropriate for the client’s investment goals and objectives.

 

CLIENT REPORTS:

Tomas A Blanno and Company, LLC issues quarterly reports. The reports are generally in the form of a Portfolio Monitoring Report, Snapshot Report or Performance Report. Additionally, clients will receive statements at least quarterly, from the account custodian, detailing account activity, holdings, and performance.

 

CUSTODIAN OF ASSETS:

Tomas A Blanno and Company, LLC does not have physical custody of any client funds or securities. Our clients’ assets are held by qualified custodian Schwab Advisor Services/ Charles Schwab & Co., Inc. Member SIPC Affiliated company and subsidiary of The Charles Schwab Corporation

Account statements are mailed or sent electronically by the account custodian. Clients are advised to review these statements, comparing asset values, holdings, and advisory fees to that in previously received statements, confirmations, fee invoices and reports from Tomas A Blanno and Company, LLC.

It is customary for Tomas A Blanno and Company, LLC to have full discretionary authority in order to supervise and direct the investments of client’s accounts. This authority is granted upon execution of our Investment Advisory Agreement and Investment Policy Statement. Discretionary authority is for the purpose of making and implementing investment decisions, without prior consultation with clients. All investment decisions are made in accordance with the client’s stated investment objectives and clients may at any time during our engagement advise our firm in writing of limitations to be imposed on our authority.

 

TAX  SERVICES:

Tax preparation services and Bookkeeping, Individual Income tax planning Federal and State, Corporate Taxes, Estate Tax Planning, Tax-efficient Transaction Plannnig.


EMPLOYEE BENEFITS:

Retirement Plans (Qualified Plans) 401K, ROTH IRA, IRA, Profit Sharing Plans, Nonqualified Deferred Compensation and Stock Options.

 

INSURANCE  PLANNING:

Determining Insurance Needs, Disability Insurance, Health Insurance, Long Term Care Insurance, Life Insurance, Flexible Spending Accounts, HSA (Health Savings Accounts) Funding Buy Sell Agreements, Split-Dollar Insurance.


ESTATE PLANNING AND CHARITABLE GIVING:

Ownership of Property, Community Property, Trusts Trustees and Other Fiduciaries and Power of Appointment, Lifetime Transfers by Gift, Transfer at Death, Administration of the Estate Overview/Wills, Valuation of Assets for Federal Estate and Gift Taxation, Buy-Sell Agreements, Federal Estate Taxation: The Gross Estate, Deductions from The Gross Estate, Marital Deductions,Charitable Deductions, Estate Death Taxes and Estate Planning, Computation and Payment of Federal Estate Tax, Income Taxation of The Estate and Trust, Postmortem Estate Planning.

 

SENIORS INCOME AND ESTATE PLANNING SERVICES:

Financial Strategies for seniors, Seniors Housing, Long Term Care insurance, Social Security Programs, Medicare, Medicaid, Income Tax Planning for seniors, Managing Assets during Life, Distributing Assets upon death, End of Life Planning and Funeral Planning.