You may call our office at 707.443.2741 or 800.31.7212 and speak with any of our team members. Or, you can click here to email us your request.
Premier Financial Group is a fee-only advisor; we are compensated based on assets managed, along with an annual fee schedule that ranges from 0.4% to 2.0%. The more assets under management in a client relationship, the lower the fee percentage.
We do not charge commissions, transaction fees, or annual account fees, and we do not receive compensation from other entities to utilize their products. We do not have an incentive to actively trade your account to generate fees or to sell you particular investments. Premier’s fees are debited directly from client accounts and are fully disclosed.
Premier’s team is dedicated to working with investors who have both the ability and desire to become financially independent. We typically begin new relationships with a minimum of $150,000 in assets under management; however, each relationship is considered on an individual basis and exceptions can be made. Please speak with one of our advisors regarding your unique situation to determine if we are the right fit for you.
Yes! Premier Financial Group was founded over 26 years ago in Eureka, California. Today, the firm is still owned and operated independently, managing assets for clients all over the globe.
Our team of Certified Financial Planners™ works with individuals, families, company retirement plans, and non-profit organizations to provide a range of financial planning and wealth management services, including investment management, estate planning guidance, tax planning guidance, retirement planning and business retirement plans.
Our advisors take the time necessary to get to know current and prospective clients by uncovering what is important to them and where we can bring value over the long run. Every client is unique, and we advise based on that premise. Our objective is to advise each client holistically in a professional, confidential, and caring environment.
Holistic financial planning means looking at your overall financial picture, including investment management, retirement planning, tax planning and estate planning. While many financial advisors may only advise on the assets they manage, we believe this can be detrimental to a good financial plan. Premier’s advisors are willing to discuss all topics, including preparing for retirement, how to finance college funding for your loved ones, real estate financing and everything in between.
As fiduciaries, we’re dedicated to doing what’s best for our clients. We’re legally bound to place your interests above our own, and base our relationships on a foundation of trust, integrity, independence, and full disclosure.
Dimensional Fund Advisors, or DFA, is an institutional mutual fund company that offers portfolios based on the science of investing, rather than on market hype. Because of this DFA avoids many of the pitfalls of active management practices. DFA funds have allowed our investors to be well diversified with low investment management fees.
Registered Investment Advisors (RIA) must follow full disclosure regulations, including all costs, fees and conflicts of interest associated with the services they provide. RIAs don’t sell products for a commission—and they’re legally obligated to put their client’s interests first. Further, as an SEC RIA, Premier is subject to full disclosure rules and oversight by the Securities and Exchange Commission.
When done correctly and deliberately, diversification across asset classes helps decrease risk and builds protection into your portfolio. A truly diversified investment portfolio balances funds among securities from a wide range of asset classes, thus producing (on average) better risk-adjusted returns and experiencing less volatility than its individual components. Premier’s client portfolios consist of a global assortment of thousands of stocks.
There are many types of risks an investor needs to be aware of, including interest rate risk, reinvestment rate risk, exchange rate risk, and market risk, to name a few. Most investors know that diversification is a key component of managing risk, but diversification means more than just owning a large number of stocks and bonds. If you aren’t familiar with the types of investment risk out there, it is it’s important to work with an advisor who understands the types of risk you will face and who will build strategies within your portfolio to help manage that risk.
Absolutely. We can roll over an existing IRA or employer-sponsored retirement plan, such as a 401(k) or 403(b), into a rollover IRA. If you are an employed plan participant over the age of 59 ½, we may be able to help you take in-service distributions and roll partial amounts of your plan into a rollover IRA, while you continue to make contributions to the existing employer-sponsored plan.
Our portfolios consist of commodities, but not in their physical form. In an effort to capture the returns of the whole market, we invest in mutual funds that hold over 9,000 companies from over 40 different countries. This includes exposure to commodities. We feel that investing directly into physical commodities or concentrating in commodities can expose clients to unnecessary risk, tax liability, and expense.
Yes. Your assets would typically be held at TD Ameritrade (custodian for our client accounts). From TD Ameritrade’s client website, you are able to log into your account and see your holdings, values, and transaction history. You can also review investment statements, tax documents, and other account correspondence.
Company Retirement Plans
Retirement plans offer tax benefits to businesses: employer contributions to the plan are tax-deductible, plan assets grow tax-deferred, and available tax credits can mitigate costs. In addition, company retirement plans can help businesses attract and retain quality employees, saving you money.
Our retirement department prides itself on our unmatched trustee education and support services. We take every opportunity to take as much off of the plate of the plan trustees as possible, and provide knowledge and guidance to streamline the operations of the plan. Premier provides a copyrighted Fiduciary Notebook© to plan trustees to assist with plan administration efficiency and compliance.
We believe that educated investors will achieve better investment results by making informed decisions. Understanding the benefits of contributing to a plan, and the anticipated costs investors will face in retirement often leads to a greater level of participation and higher contribution amounts.
We offer to meet with the participants of the retirement plans we manage, both on a group level and one-on-one. We get to know each participant and their unique situation. With a good understanding of a participant’s capabilities, goals, and risk tolerance, we can assist them with their investment choices throughout the lifetime of their participant status. We also offer to assist in the overall spectrum of the participant’s financial planning, not just limited to the assets they hold in the plan.
A plan sponsor is a party, typically an employer or a company, that’s endowed with the authority to manage and control a retirement plan’s administration and operation. A plan trustee is a fiduciary that’s responsible—and liable— for the plan’s compliance. A plan administrator is a fiduciary charged with coordinating communications, preparing disclosures for plan participants, and ensuring that required government filings are made in a timely manner.
Rebalancing keeps your portfolio properly diversified, which manages risk by re-establishing your original asset allocation percentages on a regular basis. Properly chosen asset classes don’t grow at the same rate, which leads to shifting allocations, concentration in certain asset classes, and unnecessary exposure to risk. Practicing rebalancing ensures that your portfolio properly balances risk and return with your objectives.
Every retirement plan has associated expenses. For example, a 401(k) plan will need an investment manager, a third-party administrator, and possibly a record keeper (depending on plan design). Each of these service providers charges a fee. Investment vehicles also have associated fees, and certain transactions, such as account distributions, may create additional expenses. Depending on the design of the plan, some or all of these expenses may be paid by the employer or the employee. The design of the plan is determined by the plan sponsor (the employer).
If your employer-sponsored retirement plan is participant-directed, then you will have access to your account online. From the website, you will be able to log into your account and see your holdings, values, and transaction history - including contributions. You will also be able to review investment statements and performance.