When it comes to finding someone to guide you through your financial decisions there are lots of options out there. Whether it’s a private banker, your CPA firm, an insurance agent or independent wealth advisor, it can be difficult to determine who is best suited to be your financial partner. We at LDM Advisors feel we are highly prepared for the following reasons.

We Are Fiduciaries

Investment Advisor Representative

As an Investment Advisor Representative, we act as a fiduciary for our clients.

To be a fiduciary means to have not only an ethical but also a legal obligation to act in your best interest.

Advisors must complete or have an education that has been approved by LDM Advisors management.

Advisors must pass the required industry examinations which test our abilities to apply financial planning knowledge to your real life situations.

Advisors must uphold the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence of someone who works at LDM Advisors.

Advisors must have several years of financial experience before becoming an advisor with LDM Advisors.

Because we are independent, we are not bound or economically motivated to use investment solutions through only one institution or platform. Our only motivation is to select investment solutions that adequately address the objectives of our clients.

We Diversify

The Power of True Diversification

We believe that one of the keys to successful investing is diversification. Studies have shown the majority of investors’ portfolios consist of only equities, fixed income, publicly traded real estate, and cash.

We believe that investing in equities and fixed income alone isn’t enough to be truly diversified. We construct portfolios for our clients that include asset classes underutilized in the marketplace, such as private real estate, private credit, private equity, other real assets, and absolute return strategies. This allows us to provide a fully diversified portfolio to clients, well equipped to combat the numerous types of risks that pose threats to the preservation and growth of our clients’ money.

The Use of Alternative Investments

Alternative investments may provide access to investment strategies, asset classes, and sources of return that differ from traditional publicly traded stocks and bonds. Depending on an investor’s objectives and circumstances, they may be considered as part of a broader portfolio strategy.

Potential Benefits

Additional Sources of Return: Alternative investments may provide exposure to investment opportunities and strategies that are not generally available through traditional public markets. There is no assurance, however, that these investments will outperform traditional investments or achieve their investment objectives.
Portfolio Diversification: Because some alternative investments may respond differently to economic and market conditions than traditional investments, they may provide additional diversification within a portfolio. Diversification does not guarantee a profit or protect against loss.
Active Management Opportunities: Certain less-liquid or less-efficient markets may provide opportunities for experienced investment managers to identify investments they believe are mispriced or otherwise attractive. The success of these strategies depends substantially on the manager’s skill, judgment, and execution and is not guaranteed.

Material Risks and Limitations

Illiquidity and Lock-Up Periods: Many alternative investments cannot be readily sold or redeemed and may require investors to commit capital for extended periods. Redemption restrictions, lock-up periods, limited secondary markets, or other limitations may prevent investors from accessing their money when desired.
Risk of Loss: Alternative investments involve investment risk and may experience significant losses, including the potential loss of some or all of the principal invested. Certain strategies may also use leverage or other techniques that can increase investment risk.
Higher Fees and Expenses: Alternative investments frequently have higher management fees, performance-based compensation, administrative expenses, or other costs than traditional investment products. These costs reduce the investor’s net return.
Valuation Uncertainty: Because many alternative investments are not publicly traded, their value may be more difficult to determine. Valuations may be based on estimates, models, appraisals, or information provided by investment managers and may not reflect the amount that could actually be realized in a sale.
Investor Eligibility and Suitability: Certain alternative investments are available only to investors who satisfy applicable financial or regulatory eligibility requirements, such as accredited investor or qualified purchaser standards. Even when an investor is eligible, an alternative investment may not be appropriate based on the investor’s objectives, liquidity needs, risk tolerance, time horizon, and overall financial circumstances.
Alternative investments are not appropriate for every investor. LDM Advisors evaluates the potential benefits, risks, liquidity considerations, costs, and suitability of an alternative investment in the context of each client’s individual financial situation before making a recommendation.

We take time with each client to construct a personalized portfolio that includes a wide array of traditional equity and fixed income solutions as well as alternative investment opportunities (for those who qualify)

Investment Disclaimer: There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not ensure against market risk.

We are transparent, competitive, and practical in the fees that we charge.

We charge in the following ways depending on the preference of the client:
Advisory Fee: An annual percent of the total assets that we manage, charged on a quarterly basis.
Planning Fee: An hourly rate to meet with our financial advisors to construct and develop a plan on your behalf.
We feel the fee-based model naturally incentivizes us to preserve and grow your portfolio.

We Care About Relationships:

We listen to our clients to identify their needs, goals, and fears. We use this information as the foundation for constructing your personal financial plan. We recognize that life is consistently changing, resulting in the need for regular financial monitoring and review.

As a client of LDM Advisors, you will be treated as part of the family. We value the meaningful relationships we have with those we serve. We recognize that our clients are actual people with families, hobbies, interests, accomplishments and trials.

While money is an important part of everyone’s life we understand that life consists of so much more than just money. The relationship and understanding we share with our clients is part of our firm’s purpose, driving us to do what we do.

Our Commitment To You:

When it comes to financial planning and the investment of your money, we understand that trust in your advisor is paramount.
Everything we’ve previously discussed boils down to validating this trust.

In summary, we promise to:

Act in your best interest when providing advice and service and act in a fiduciary capacity
Build financial plans and investment strategies around your articulated goals, ambitions, and needs
Treat you with the same care and consideration as if you were family
Construct an investment strategy around true diversification and access to high-quality assets
Be upfront, honest and competitive regarding any and all fees we charge