| Who are the members of Joseph Barry Co., LLC? Joseph Barry, Jr. and Patrick Barry are the principals of the firm. Vice Presidents Jane Abbott and Kate Alves are responsible for Financial Planning, while Vice President Ann Sullivan is in charge of Client Service. How will my investments be managed? As an independent firm, Joseph Barry Co., LLC has no corporate restriction as to what to recommend. Our investment philosophy is a Global Balanced Value approach that takes into account your specific needs and risk tolerance. We have the ability to join with third party investors and analysts as well. What kind of service should I expect? We understand the type and quality of client service that is appreciated by affluent families. The delivery of your financial planning and investment advice is centered around your regularly scheduled reviews. Calls, emails and meetings are welcome at any time. We have also made significant investments in technology for those who wish to do more advanced communication with us. Are there any minimums to become a client? For new relationships with Joseph Barry Co., LLC, there is a $5,000,000 minimum investment. Will I have to pay any taxes if I transfer my account? Most of your securities will be eligible for transfer without tax consequences. Your cost basis information will be retained. Who will safeguard my assets? Joseph Barry Co., LLC utilizes the services of Fidelity Investments and TD Ameritrade Institutional to custody your securities, for trading, and recordkeeping. Fidelity Investments is one of the world's largest providers of financial services. Founded in 1946, the firm is a leading provider of investment management, retirement planning, portfolio guidance, brokerage, benefits outsourcing and many other financial products and services to more than 20 million individuals and institutions, as well as through 5,000 financial intermediary firms. For more information about Fidelity Investments, visit www.fidelity.com. TD Ameritrade Institutional is a leading provider of comprehensive brokerage and custody services to over 4,000 fee-based independent Registered Investment Advisors (RIAs) and their clients. They deliver smart operational solutions, innovative technology, customized practice management and flexible investment solutions, all with one goal in mind--impeccable service. As steadfast advocates for independent advisors, TD Ameritrade Institutional continually speaks out to ensure that RIA needs and their clients' needs are always considered within the regulatory environment. Their collaborative approach and innovative technology solutions ensure that we spend less time navigating a one-size-fits-all solution and more time focused on exceeding your expectations. What guidelines do you use for asset allocations? Asset allocations are established in accordance with the clients’ objectives and set and rebalanced according to overall market valuations. We are guided by the principles outlined in Benjamin Graham’s "The Intelligent Investor," Fourth Revised Edition, copyright 1973 by Harper & Row Publishers, Inc. We suggest companies with strong financials, purchased at low prices relative to earnings and book value. Do you typically manage for growth, income, or both? We have clients who seek Growth, Growth and Income, and Income and Growth. Do you ever oversee entire portfolios that include allocations which are not part of the assets you manage? For example; private equity funds, corporate executive plans, or hedge funds? We try to be helpful to our clients with all of their financial affairs. We include all of our clients’ varied assets and liabilities in our financial plans. Our wealth management system aggregates assets with daily updates for all investment accounts that are accessible via the Internet. Client provided estimates are used for illiquid assets such as business interests and real estate. In addition to the balance sheet, an electronic vault is provided for document storage. With client approval, other members of the client’s financial team may be granted access for review. The aggregated financial accounting includes the assets of hedge funds and private equity portfolios. While we are in no position to evaluate a hedge fund or private equity portfolio, we do coach clients to have reasonable expectations and to avoid becoming too illiquid.  |