Broker Check

YOU’VE GOT A LOT OF QUESTIONS.

WE WILL ANSWER THEM ALL.

We understand that taking the step to achieve your financial goals, to work with a new investment advisor, to transfer your existing accounts, or to open and fund a new account can be a daunting process. We’re here to help, to listen, and to provide you answers and make the process simple and smooth.

A B O U T    I N V E S T I N G

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When should I start planning and investing for retirement?

The simple answer is now. It’s never too early to begin, or too late to start because the longer your investment time horizon, the more your investments can grow.


I’m not sure if market conditions are ideal for investing, should I wait?

The overall trend of the stock market for the past 200 years has been upward. A long-term investor gets the best investment results by investing early and not waiting for perceived ideal conditions, which are often only seen long after the event occurred.


I don’t know much about investing, should I wait until I understand more?

Our goal is to help educate and empower you throughout the process, and we will teach you as much as you’d like to learn each step of the way.


Will my accounts be diversified?

Yes, your account will be globally diversified in both stocks and bonds.


What types of investments will BAM purchase for my portfolio?

We will build your portfolio with Exchange Traded Index Funds (ETFs). We review the thousands of ETFs available to find the ones with the lowest cost, best performance vs risk, ideal area of diversification, and other technical metrics.


How often are my accounts monitored?

The stock and bond markets are monitored every day for investment opportunities and risks. Individual accounts are reviewed on a weekly basis and holdings are rebalanced at opportune times.

A B O U T    B A M   (Barnai Asset Management)

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Is BAM a fiduciary?

Yes. By definition, a fiduciary is an individual organization who manages assets on behalf of another person or entity. Fiduciary financial advisors hold a relationship of trust with their clients and abide by fiduciary duty, the ethical obligation to act solely in someone else’s best interest.


What services does BAM provide?

We actively manage personal retirement and investment accounts. In addition, we provide education, advice, and planning for your financial needs. Click here to learn more about Our Services.


Can I hire BAM for financial planning without investing?

No, we do not offer standalone financial planning services, but we will review your finances and provide you advice and educational information prior to your decision to invest with us.


Is the information I provide BAM private?

Yes, your personal and financial information are strictly confidential. Click here to view our Privacy Policy.


What security measures does BAM take to protect my information?

On a continuous basis, we conduct cybersecurity risk reviews to stay current on, and to implement the latest security technology solutions. We regularly review the policies of our third party service providers to ensure that they uphold our same high standards for privacy and security. Click here to view our Security Statement and Privacy Policy.

I N V E S T I N G   with   B A M

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What type of client does BAM specialize in working with?

We specialize in working with young professionals and small business owners getting started in investing or (re)organizing their finances. Our objective is to work with clients for a lifetime and we have a vested interest in seeing you reach your financial goals.


Does BAM work with clients outside of Colorado?

Yes, we efficiently work with clients nationwide.


How do I become a BAM client?

It is a simple and easy process which you complete online and at your convenience. You will complete three informational questionnaires, and electronically sign your new account forms. The first questionnaire gathers your name, contact information and investment history. The second gathers your financial information, investment goals, and risk level. And the third gathers the remaining information we need to pre-fill your new account and account transfer forms. Start the process here.


Is opening new accounts or transferring accounts difficult?

No, we do most of the work and everything is online and can be done at your convenience. All you need to do is electronically sign the paperwork via DocuSign and provide current account statements for account transfers.


What type of accounts can I open with BAM?

We will select the ideal accounts to open for your financial situation. This may include: Roth or Traditional IRAs, Individual or Joint Accounts, SEP IRAs, Individual 401(k)s, 529 Plans, and more.


Will my account funds be securely held in a bank?

Yes. Your funds will be held with our custodian, BNY Mellon’s Pershing, which is the industry’s largest provider of clearing, custody and settlements.


Will my money be protected by SIPC (Securities Investor Protection Corporation)?

Yes.  SIPC protects against the loss of cash and securities held by a customer of a SIPC-member brokerage firm. Click here to understand the role of SIPC.


How much money do I need to start investing with BAM?

We have no minimum. Our goal is to service clients who want to actively work toward their financial goals with an investment advisor, but don’t meet the minimum requirements of most advisors, which is generally $500,000 or more.

 

How is BAM able to work with no minimum investment requirements?

We have a robust and efficient infrastructure that allows us to manage smaller accounts, and as our clients individual investments grow, we also grow our firm. In many ways we are investing in our clients and we have a vested interest in helping them reach their personal financial goals.


B R O K E R   vs   R I A   (Registered Investment Advisor)

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Is BAM a Registered Investment Advisor?

Yes. We have been a registered advisor since April of 2015.


What is the difference between a Registered Investment Advisor and a broker (such as Vanguard, TDAmeritrade, Fidelity, etc.)?

Registered Investment Advisors have a fiduciary duty to their clients that require an advisor to put their clients’ interests ahead of their own, whereas a broker only owes a duty of fair dealing to their clients. In addition, an investment advisor generally offers more financial services to a client than a broker.


I’m not sure if I’m currently working with an investment advisor or a broker.

If you have had one-on-one investment or financial planning sessions and disclosed substantial financial information while opening your accounts, then you may be working with an investment advisor. If you’ve only received very basic investing and planning assistance from your bank, TDAmeritrade, Vangaurd, Fidelity, etc. while opening an account, then you are probably working with a broker. In addition, generally working with an advisor requires a substantial investment minimum (often $500,000 or more) while working with a broker doesn’t require a minimum investment amount.


Should I work with an investment advisor or a broker?

If you want an actively managed investment account and comprehensive investment and financial advice, an investment advisor is best for you. If you only require minimal investment assistance and a passive investment account, a broker may be a good fit for you.

F E E S

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How is BAM paid?

We are paid a percentage of the assets that we actively manage for you. These fees are directly deducted from your investment account and there are no additional out of pocket fees. Click here to see our fee percentages.


Are there hidden fees?

No, we are fully transparent with the fees deducted from your account. Click here to see our fee schedule and a breakdown of investment fees.


What’s the difference between a fee-only vs. commission based Registered Investment Advisor?

A fee-only advisor is paid only by the client they advise as a percentage of the assets they manage for the client. A commission-based advisor is paid a commission set by a third party, such as a mutual fund provider, to purchase their products for the client.


Is fee-only or commission based better for the client?

We believe that fee-only is best for the client because it avoids potential conflicts of interest that commission-based advisors and brokers face.


Is BAM a fee-only advisor?

Yes, we are only paid by you. We select the best investments for you based upon performance, low cost, and diversification, as well as your goals and investment time horizon. We are never paid by a third party to buy their investment products.

“Sometimes the questions are complicated and the answers are simple.”

                                                       - Dr. Seuss

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