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  • TEAM
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Planning

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Fee Structure:

Investment Management & Oversight

Your Investment Advisory Fee Includes:

  • Access to our commission-free mutual fund investment platform.

  • Most administrative costs associated with the platform, including platform fees, preparation of the statements, tax reporting and administrative forms/paperwork.

  • Select trading costs.

  • Initial portfolio constructions based on your investment objectives and risk tolerance that we will determine and analyze with you.

  • You will have an investment plan and strategy tailored specifically to your goals and risk tolerance.

  • Ongoing, active management of your investment advisory account(s):

    • Ongoing asset allocation decisions based on changing market conditions, economic indicators and (most importantly) your financial situation and needs.

    • Continuous fund manager review, monitoring, and evaluation.

    • Portfolio re-balancing and re-alignment.

    • Tax efficient investing.

    • Quarterly detailed investment review – in person or via a video conference call.

  • Most importantly, full alignment of your investment strategy with our ongoing financial planning work done throughout our relationship:

    • We will coordinate and orchestrate the many aspects of your financial life into a cohesive whole.

    • We will give you a complete understanding of where you are, where you want to go, and how to get there.

*Note, a formal Financial Planning Engagement is separate and is not part of the investment advisory services.

Breadth & Depth of Our Investment Platform

We understand that your financial situation and needs are unique. That is why we work with you to build customized solutions based on your individual goals, risk tolerance, and investment time horizon. Through Blaine’s affiliation with Eagle Strategies LLC, he has access to the exclusive Lifetime Wealth Portfolios (LWP) platform – allowing him to provide you with customized solutions and unique programs.

Separately Managed Accounts (SMA)

Our Separately Managed Accounts program offers a wide variety of investment solutions and model portfolios that help you meet your investment and/ or retirement goals. An SMA generally offers access to professional money management and diversification opportunities through ownership of individual securities (such as stocks and bonds), as opposed to owning shares of a fund. This differentiation provides greater flexibility, control, and tax strategy benefits.

Fund Advisory Program (MA)

Investment Philosophy · Strategic · Dynamic · Tactical

Our Fund Advisory program offers the expertise of leading investment managers within a program that consists of an optimal selection of quality mutual funds and/or exchange traded funds (ETF). The fund advisory program is generally appropriate for investors seeking access to a professionally managed, diversified portfolio at a lower minimum.

Unified Managed Accounts (UMA)

Customization · Automatic Rebalancing · Consolidated Performance Reporting · Impact Investing

Our Unified Managed Accounts program offers investment products in a single, fully-diversified portfolio designed to provide you with a comprehensive approach to asset allocation, investment selection, and account administration. A UMA is generally appropriate when you have multiple strategies that would benefit from automatic rebalancing, a tax-aware discipline, and a consolidated performance statement.

Vetted and Monitored Investment Solutions

All investment managers on the Eagle Strategies platform are put through a rigorous due-diligence process. Experienced analysts conduct research, on-site visits, and apply critical thinking to identify managers with an investment edge that is defensible, differentiated, repeatable, and sustainable before they are made available to you. Once a manager is added to the Eagle platform, they are closely monitored to ensure they continue to meet the high standards. In the event they do not, they are removed from the platform and a suitable replacement is sourced. Eagle’s platform of investment managers incorporates a breadth and depth of vetted and well monitored investment managers.

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Financial Planning Services Schedule

I. Discovery & Initial Gap Analysis

  • Understand the client’s personal business, financial, and charitable goals

  • Gather facts

  • Draft initial balance sheet and cash flow

II. BASIC FINANCIAL PLANNING - NEW

  • Detailed review of net worth

  • Detailed analysis of cash flow and general potential to achieve stated goals

  • Life insurance

  • Other risk mitigation, including other forms of insurance

  • General review of investment accounts

III. Basic Estate Planning – New

  • Outline estate planning needs and goals

  • Discussion of tools to achieve goals, such as revocable living trusts, wills, powers of attorney, advanced medical directives, and HIPAA authorizations

  • Oversee proper titling

IV. Advanced Estate Planning – New

  • Estate tax planning strategies

  • Transfer of wealth ideas

  • Irrevocable trusts

  • Entity design

  • Charitable gift planning

V. Investment Planning – New

  • Detailed review of accounts and strategies

  • General recommendations for coordinating investments with the overall financial plan

  • Specific recommendations or portfolio management (separate engagement)

VI. Active Business Planning – New

In depth discovery, including:

  • Goals and objectives of the business, issues, and opportunities

  • Review and summary of key corporate documents

  • Review of balance sheets and P&L statements, and cash-flow analysis

  • Key employees, their roles and understanding of their roles and the business’s goals

  • Review of benefits (health and ancillary)

  • In-depth review of retirement plan

  • Marketability assessment (an informal valuation)

Throughout the planning process, we will utilize eMoney, our wealth management account aggregation online portal and tool.  

You Naturally Want to Know The Duty I Owe You:

I am an Investment Adviser Representative (“IAR”) of Eagle Strategies LLC (which is a Registered Investment Advisor), a Registered Representative of NYLIFE Securities LLC (a broker-dealer), and an agent of New York Life and New York Life Insurance & Annuity Corporation (“NYLIAC”). I also may broker fixed insurance products for other insurance carriers. In each of these capacities, I am required to place your interests ahead of my own, and in acting in your best interest I recommend products that meet your goals and objectives. I have numerous tools in my toolbox to meet your needs, including life and annuity products that certain other financial professionals are not licensed to offer. This allows me to provide you with trusted advice and guidance.

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In certain circumstances, I act in a fiduciary capacity. I act in this capacity when I offer you fee-based financial planning services, advisory programs, and investment advice as an IAR of Eagle. I am also a fiduciary whenever I help you invest qualified monies in an IRA, advise you on rolling over your employer plan account or when I provide investment advice to a retirement plan.

In other circumstances, when I am acting as a registered representative, insurance agent or a broker with respect to non-qualified funds, while not a fiduciary, I am still required to act in your best interest.

In each of these instances, I eliminate or make full and fair disclosure of any conflicts of interest I might have.

There are times when it is most cost-effective for you to purchase a commissioned-based product and other times when it is preferable to pay an investment advisory fee. We will work together to evaluate when each framework is preferable.

When deciding on an appropriate recommendation, if we mutually agree that a commission-based brokerage service, mutual fund or other securities product account is appropriate for your financial situation, I as a Registered Representative with NYLIFE Securities LLC can facilitate these services to you and receive transaction-based compensation.

In addition to commission-based brokerage services and Variable Products offered through NYLIAC, a fixed product insurance-based solution such as life insurance or annuities may make sense for your financial situation.

I can offer these products to you through numerous insurance carriers that I am licensed with throughout the country. I receive a commission for fixed product insurance-based solutions and annuities, except for the fee-based New York Life Premier Advisory Variable Annuity in connection with which I offer advisory services as an Eagle IAR.

Throughout the course of our time together, I will always put your best interest first and foremost, and in so doing I will evaluate with you the costs and benefits of my recommendations.

Get in Touch

Call: (916) 809-9829

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Our Location

2999 Douglas Blvd Ste. 340
Roseville, CA 95661

Disclosure

Blaine Johnson is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AK, AZ, CA (CA Insurance License #0G27275), CO, FL, ID, LA, MA, NV, OR, TX, VA, WA, and WI. No insurance business may be conducted outside the states referenced.

As a New York Life Agent, Blaine Johnson is licensed and authorized to offer insurance in California, but BLAINE K. JOHNSON FINANCIAL AND INSURANCE SERVICES may not be. For additional information on California licensure status, please click here.

Blaine Johnson is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 2999 Douglas Blvd Ste 340, Roseville, CA, 95661, 916-781-7493. In this regard, this communication is strictly intended for individuals residing in the states of AK, AZ, CA, CO, FL, ID, LA, MA, NV, OR, SD, TX, VA, WA, and WI. No offers may be made or accepted from any resident outside the specific states referenced.

Blaine Johnson is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AK, AZ, CA, CO, FL, ID, LA, MA, NV, OR, SD, TX, VA, WA, and WI. As such, these services are strictly intended for individuals residing in the states referenced.

The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

BLAINE K. JOHNSON FINANCIAL AND INSURANCE SERVICES is not owned or operated by NYLIFE Securities LLC or its affiliates.​

Neither BLAINE K. JOHNSON FINANCIAL AND INSURANCE SERVICES nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.​

For more information about NYLIFE Securities LLC and its investment professionals.

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