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Coyle Financial Counsel, LLC, is registered with the Securities & Exchange Commission (SEC) as an Investment Adviser.
Brokerage and investment advisory services and fees differ, and it is important for you to understand these differences. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker/dealers, investment advisers, and investing.
We provide investment advisory services to retail investors, including individuals, families, retirement plans, trusts, estates, charitable organizations, or other business entities.
We provide Discretionary Asset Management Services (either directly or via the use of sub-managers), Non-Discretionary Advisory Services, Wealth Advisory Services, or Project Based Services. We also provide financial education course videos. In a discretionary account, you provide us with the authority to buy and sell, and to determine the time and price at which we buy or sell, investments for your account, and to re-balance as necessary, without your prior approval. You may revoke this authority at any time in writing. In a non-discretionary account, you will be responsible for all trading decisions within your account. We recommend a minimum household net worth of $1,000,000 or more to open an account with us but will accept smaller accounts at our discretion. As part of our standard service, all our managed accounts are reviewed at least quarterly.
Generally, the firm provides advice on the following types of securities: stocks (exchange listed, over-the-counter, and foreign issues); warrants; bonds (corporate debt); certificates of deposit; municipal securities; variable contracts; mutual funds and exchange traded funds (ETFs); closed-end funds; and US Government securities. In addition, in certain instances when suitable for the client, the firm may offer advice on limited partnerships or private corporate ventures investing in real estate, new ventures or start-ups, leveraged buy-outs, hedge funds or other investment enterprises. We do not offer any proprietary products, and have no limitations in our choice of products or types of investments. All investment advice provided by us is provided on a fiduciary basis. For additional information about our firm’s services, please read Items 4 and 7 of our Form ADV Part 2A disclosure brochure, which you can view or download at adviserinfo.sec.gov/firm/summary/110593.
Our discretionary and non-discretionary management services are billed every quarter (in advance of the quarter) at an annualized rate ranging from .3% – 1.5% of the client assets managed by us, depending upon the size of the account and nature of services provided. Because we collect an asset-based fee, the more assets in your account usually the more you will pay in fees, and this fact could give us an incentive to encourage you to increase your assets held with us. Besides the management fee you pay to us, you may also pay various fees to the account custodian for maintaining your account, including transaction costs, technology fees, account maintenance fees, management fees to mutual funds or annuity providers, or other transaction based costs depending on the specific account investments.
Our Wealth Advisory fees are billed quarterly, with an annual fee ranging from $2,500 to $50,000 depending on the account complexity. Fees may be charged on an agreed upon flat-fee basis, or for more complex cases an agreed upon percentage of the total assets of the client’s estate under supervision. Project based fees are a one-time fee agreed upon in advance, and our Education Course Material can be purchased individually per course or by a subscription fee to access the entire catalog.
All our advisory fees are negotiable. More detailed information about our fees and other costs associated with investing can be found in Item 5 of our Form ADV Part 2A disclosure brochure, which you can view or download at adviserinfo.sec.gov/firm/summary/110593.
When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. For example, a few of our employees are licensed to sell insurance products, and have an incentive when they recommend you purchase an insurance product, for if you purchase the product through them, they will receive a sales commission. More detailed information about our conflicts of interest can be found in our Form ADV Part 2A disclosure brochure, which you can view or download at adviserinfo.sec.gov/firm/summary/110593.
Our financial professionals are paid a base salary and a bonus based on revenues generated from clients that they service. Support staff are paid a fixed salary and a quarterly bonus.
No. Please go to Investor.gov/CRS for free and simple search tools to research our firm and our financial professionals.
For additional questions about our firm, services, or background, to request a free, current copy of our Form CRS, or if you have any concerns with how you are being treated by an employee of our firm, please contact the firm’s Chief Compliance Officer at (847) 441-5644.
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