• 1-800-533-4370
  • 1-574-722-4222
  • Mon - Fri: 8:00 - 5:00

Fee-Based Planning

We offer three main types of fee-based planning. Learn more below!

Learn more about:

Strategic Asset Management

Through Strategic Asset Management, we can offer you access to a wide variety of investments to increase your portfolio’s diversification. In addition, investments you already own can be combined with those we select to complete your customized portfolio and add to the potential success of your plan. But, your distinct circumstances and personal objectives dictate the method of investing, as well as the types of investments we choose.

Fee-Based Guidance

By virtue of using the Strategic Asset Management platform, we can work under a fee-based model. Fee-based asset management allows us to share a common goal with you: to grow the value of your assets. A holistic approach to investing, fee-based asset management ties our compensation directly to the performance of your account. Instead of commissions, we earn an annual fee based on the market value of the account.

This allows us to concentrate on what matters most—building an investment portfolio that seeks to address your specific needs.

Ongoing Advice and Oversight

As a fiduciary under the Investment Advisers Act of 1940, we’re obligated to act in your best interest and provide you with full and fair disclosure of material conflicts of interest. In a Strategic Asset Management account, we monitor your investment portfolio on an ongoing basis and continue to offer you advice as needed. These services may be provided on a discretionary basis, which means you don’t need to direct us to make trades, rebalance your portfolio, or make other investment decisions for your account. This discretionary trading capability in a Strategic Asset Management account gives us the ability to react to changes in economic conditions on your behalf.

for more information

For more information, click here to read the SAM Client Brochure, or contact us to make an appointment and discuss this option!

Manager Select

Manager Select includes investment planning, strategy development, manager selection, portfolio construction, ongoing management and monitoring, trade execution, and performance measurement.

Manager Select is an SMA (Separately Managed Account) and is a private portfolio made up of actively managed individual securities. The separate account model, used by large institutions and pension plans, extends the potential advantages of flexibility, tax efficiency, and control to your portfolio. Some of these features may not be available to individual investors through other solutions.

Potential Benefits of Separate Accounts

  • Full-time professional supervision
  • Ownership of individual securities
  • Transparency into account activity
  • Potential tax-efficient investing
  • Custom-tailored portfolios
  • Tactical asset allocation
  • Diversification among managers, asset classes, and market sectors
  • Comprehensive analysis and reporting
  • One fee: no trading fees or ongoing commissions

for more information

For more information, click here to read the Manager Select Client Brochure, or contact us to make an appointment and discuss this option!

Manager Select

Manager Select includes investment planning, strategy development, manager selection, portfolio construction, ongoing management and monitoring, trade execution, and performance measurement.

Manager Select is an SMA (Separately Managed Account) and is a private portfolio made up of actively managed individual securities. The separate account model, used by large institutions and pension plans, extends the potential advantages of flexibility, tax efficiency, and control to your portfolio. Some of these features may not be available to individual investors through other solutions.

Potential Benefits of Separate Accounts

  • Full-time professional supervision
  • Ownership of individual securities
  • Transparency into account activity
  • Potential tax-efficient investing
  • Custom-tailored portfolios
  • Tactical asset allocation
  • Diversification among managers, asset classes, and market sectors
  • Comprehensive analysis and reporting
  • One fee: no trading fees or ongoing commissions

for more information

For more information, click here to read the Manager Select Client Brochure, or contact us to make an appointment and discuss this option!

Guided Wealth Portfolios

Start Investing for Your Future Today

Invest for your future with our new online platform that combines the benefits of a personal financial advisor with sophisticated technology. You still get the Workman & Associates experience and expertise, but with the added convenience and transparency of an automated investing solution. Guided Wealth Portfolios (GWP) provides you personalized, objective investment advice through an online platform with 24-7 access to your accounts.

While other digital investing solutions, or robo advisors, offer online investment management, most don’t include a direct personal relationship with a dedicated financial advisor. With GWP, we’ll be your personal advisor [team], dedicated to you and your goals, helping to guide you through the investing process.

Our Guided Wealth Portfolios service offers:

  • Personalized planning, service, and advice: The path to your financial goals is personalized for your specific stage in life, and will change as your life changes. If you ever have any questions, your advisor is only a phone call away.
  • Intuitive, intelligent technology: See your GWP accounts in one place, open new accounts, view your portfolio, and make updates via your personal portal. The technology makes the process fast and easy.
  • Advanced wealth management at a lower cost: We can implement your personal roadmap using proven investment techniques. Receive allocations designed for you and your savings goals, and benefit from trading techniques that may increase diversification and can help reduce taxes.

Whatever your retirement goals, we can help you.

Intelligent Investing

Guided Wealth Portfolios offers investment management designed to protect your portfolio against volatility and help you pursue your financial objectives. By investing with us, you receive:

Personalized roadmap – Based on your goals, investing time horizon, and risk preferences, you’ll receive an investment allocation and roadmap designed to help you pursue your objectives. As you get closer to retirement, your allocations will gradually change.

Holistic advice – By considering your retirement objectives and investments, our analysis allows you to work toward your investment goals.

Tax-efficient investing – Through advanced asset analysis, we’ll allocate your assets in a tax-efficient manner, and evaluate the tax impact of each trade before it goes through.

Consistent monitoring – Your portfolio is monitored daily, keeping it on track as markets move, and rebalancing it as needed.

Tax-loss harvesting – If an investment experiences a loss, we may sell it to offset taxable gains in your portfolio. The investments sold are replaced by similar investments to maintain your asset allocation, so you get tax benefits while keeping a properly diversified portfolio.

Financial advice – We’re available if you have a question about your account or investing strategy.

Start Today

Guided Wealth Portfolios (GWP) is a centrally managed, algorithm-based, investment program sponsored by LPL Financial LLC (LPL).  GWP uses proprietary, automated, computer algorithms of FutureAdvisor to generate investment recommendations based upon model portfolios constructed by LPL. FutureAdvisor and LPL are non-affiliated entities.

If you are receiving advisory services in GWP from a separately registered investment advisor firm other than LPL or FutureAdvisor, LPL and FutureAdvisor are not affiliates of such advisor. Both LPL and FutureAdvisor are investment advisors registered with the U.S. Securities and Exchange Commission, and LPL is also a Member FINRA/SIPC.

All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

References to tax strategies that the GWP service investment management considers in managing accounts should not be confused with tax advice. LPL Financial does not provide tax advice. Clients should consult with their personal tax advisors regarding the tax consequences of investing.

Contact Us

For more information about our fee-based planning services, you can call our office at 1 (800) 533-4370 or 1 (574) 722-4222. You can also email us at sharon.musselman@lpl.com.

how to connect

Phone: 574-722-4222

Phone: 1-800-533-4370

sharon.musselman @lpl.com

Our office

1529 E Market Street, Logansport, IN 46947