The most comprehensive offering The SEB Group, Inc., provides is investment advisory services. This level of service provides fully independent fee-based wealth management. Investment advisory clients enjoy the highest level of portfolio monitoring and related advice (otherwise billed at $350/hour) and lower fees for securities’ purchases and sales. Please see our ADV Part 2A for more details.
With investment advisory services, The SEB Group, Inc., provides advice to a client (client meaning a single person or a couple, with or without children) regarding investments, based on the distinct needs of the client, including customized quarterly reports. Through personal discussions in which goals and objectives based on a client’s particular circumstances are established, The SEB Group, Inc., develops a comprehensive financial plan and creates and manages a portfolio based on that plan. The SEB Group, Inc., will manage advisory accounts on a discretionary or non-discretionary basis. Recommendations and account holdings are always guided by the stated objectives of the client (i.e., maximum capital appreciation, growth, income, or growth and income). All portfolios are custom designed for the individual client. Ms. Binstok does not use age- or lifestyle-based model portfolios.
The SEB Group, Inc., will create a portfolio consisting of one, some, or all of the following: individual equities, bonds, mutual funds (no load, load-waived, and institutional class) and other investment products. The SEB Group will design a portfolio that takes both the clients' risk profile and timing needs into account. Clients will have the opportunity to place restrictions on the types of investments which will be made on the client’s behalf.
In addition to fully independent, comprehensive and continuous investment review, investment advisory clients may receive advice for specific areas, as needed, at a preferred client rate. Areas include:
- Insurance Review
- Tax Review
- College Planning
- Estate Planning
- Retirement Planning
- Retirement Income Planning
- Budgeting Review
- Review of Legal Documents, such as Wills, Powers of Attorney, Healthcare Proxies, Trusts
- Divorce Analysis for Allocation of Assets
- Inheritance and Settlement Award Recommendations