Overview of IRG
Investment Resource Group, LLC, an independent consulting firm based in Hilton Head, SC, is a registered investment adviser specialized in delivering added-value investment advisory and management to high net worth clients
on an eminently fair, no-conflict, fee-only basis.
We welcome your inquiries into how you or your family might benefit from IRG's advisory and management services and knowledge, wisely applied sm.
IRG services include:
financial planning family office services
investment selection manager searches
asset allocation sector weighting
portfolio management performance analysis
tax planning strategies estate planning
IRG advisors and portfolio managers are seasoned investment professionals with at least ten years experience in advising clients about portfolios and/or management of securities.
We're pleased to work with your existing advisors, attorneys, accountants and other professionals to ensure your comfort level and objectives are respected, or introduce you to such professionals should you need their services.
Absolute objectivity:
To assure objectivity, we do not participate in any commissions, contingency fees, cross-selling or soft-dollar compensation arrangements, nor accept or pay referral fees We pass along the savings from low negotiated institutional services to our clients, forgoing any participation in order to encourage totally objective decisions and recommendations.
IRG is neither a broker/dealer nor exclusively affiliated with any broker/dealer, holding company, insurance firm, bank or other financial institution. ALthough we may receive information, data, research materials, market opinions, software or consulting services from such providers, we do not direct client business in exchange for these services.
Custodial Arrangements:
IRG does not take physical custody of client assets. Clients choose from services offered by independent brokerage firms to facilitate their security transactions and safe custody of assets. With client permission, we then arrange for electronic linkage with their independent broker-dealers to facilitate reconciliation of accounts.
We will typically offer clients advice as to the types, quality and costs of available services and may assist clients in preparing forms, establishing accounts and negotiating transactions and rates. Due to personal preferences, range or quality of services provided or other reasons, clients may elect to use services that cost more than the lowest available.
Portfolio Decisions:
Clients desiring portfolio management services typically delegate complete discretion to IRG. We, or independent sub-advisor(s) you have authorized to help manage your accounts, determine and execute security buy and sell decisions for them in accordance with their objectives and any specified limitations or constraints.
Investment Parameters:
When acting on a client's behalf, IRG is guided by parameters delineated in Schedule A of the investment management agreement or, if applicable, by a custom-tailored Personal Investment Policy Statement, either of which will be reviewed and approved by the client and advisor at least annually.
Fees For Services:
IRG's services are offered on a fee-only basis computed as a percentage of assets. No revenues are derived from sales commissions or participation in soft-dollar compensation arrangements.
Fees for investment advisory or portfolio management services are generally determined by the annual rates shown below, calculated on the market value of a portfolio on the last day of the prior calendar quarter. Unless otherwise agreed, fees are payable quarterly in advance upon billing and are typically deducted directly from client accounts and paid to IRG, by the custodian upon notification. Fees are negotiable for special circumstances.
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First Million Next 1.5 Mil Next 2.5 Mil Next 5 Mil Over 10 Mil
1.50% 1.25% 1.00% .75% .50%
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IRG's Minimum Annual Investment Advisory Fee is $10,000 per Portfolio set.
Combining Accounts:
Household and/or related family accounts are typically considered as combined in a portfolio for purposes of calculating discounts and determining fees, with each account then billed proportionately unless IRG is otherwise directed.
Terminations:
Client agreements with IRG for services will be terminated upon written notice, subject to payment of any fees for services rendered. In such a case, any unearned, prepaid fees will be proportionately rebated to client within thirty days of account(s) closure or transfer.
Other Costs:
Costs for brokerage transactions, commissions, sub-advisor charges or maintenance fees are typically paid directly by the client to the account custodian and are not included in IRG's fees.
Statements, Analytics and Reports:
IRG sends clients detailed quarterly performance analytic reports. Confirmations of all security transactions and monthly statements are typically provided by custodian.
