Personal Investment Managers in Orlando

AllGen can manage a variety of investment accounts ranging from non-retirement individual and joint accounts, custodial accounts for minors, rollover and Roth IRAs, SIMPLE and SEP IRAs, and even self-directed brokerage retirement accounts.

A custodian is a financial institution such as a broker dealer or bank, that holds customers securities for safekeeping. Examples of custodians are Charles Schwab, JP Morgan, Fidelity, Robin Hood, etc. AllGen currently chooses Charles Schwab as the custodian to house client assets. They have been providing services since 1975 and are highly respected in the industry. Charles Schwab is the largest provider of investment services for registered investment advisors (RIA firms). They provide our clients with access to more than 15,000 mutual funds and nearly all ETFs, stocks, bonds, and fixed income investments. Schwab charges no account management or custodian fees to our clients.

Yes, AllGen serves clients in a fiduciary capacity. A fiduciary will act on behalf of another, placing client interests above their own with a duty to preserve good faith and trust. For more information, visit our fiduciary advisors page.

Yes, AllGen is an active money manager and will make strategic decisions in the handling of financial assets based on research and analysis. While most people (including fund managers) do not beat their respective index, we aspire to be like the 20% of those professionals that consistently outpace their respective portfolio indexes’ net of fees. We strive for this goal through extensive research and active money management strategies. Since this requires a high commitment of time and resources, most individuals should do index or passive investing if they are managing investments by themselves.

After your accounts are set up, AllGen will fully manage your investments on your behalf. This includes market research and implementation of investment strategies, as well as the ongoing trading in client accounts.

Clients looking to set up direct deposit to their managed AllGen accounts can connect them using their Charles Schwab routing number and account number. Providing this information to your HR or payroll department can start the process.

AllGen is a fiduciary and charges a tiered rate for investment management which is billed directly from your accounts on a quarterly basis. The tiered rate is a percentage based on the value of your account and is structured so that when you do better, we do better. To learn more about fiduciaries, click here.

AllGen does not collect commissions on the sales of investment products. While some of AllGen’s advisors are licensed for insurance products, our investments are managed on a fee basis and we typically outsource any insurance needs clients may have. Those needs may be discovered during the financial planning process. To learn more, visit our financial planning page.

AllGen uses exchange traded funds (ETF), mutual funds, and individual stocks in our portfolios. ETFs and stocks are traded throughout market hours and executed immediately, whereas mutual funds will calculate net asset value (NAV) at the end of the trading day when orders are then completed. When we research the funds to invest in, we are looking for the best net return (the net return is calculated after fees). Sometimes we might strategically pay a little more in fees if the investment has historically had returns significantly higher than low-fee options.

Dividend income is typically reinvested into the position on the date it is received.

Average annualized returns will depend on the client’s individual financial situation and tolerance for risk. Clients who are more risk-averse can expect lower returns on average than clients who are more risk-accepting.

No. Our clients pay us to use our extensive research and industry knowledge to select stocks for them. If you would like to pick stocks yourself, we recommend you open a separate account where you won’t be charged for management.

AllGen can help you open a custodial account if the child is under the age of 18 years of age. If the child is over 18 years old, they will be able to open their own accounts.

AllGen can manage joint accounts for you, as well as help you designate beneficiaries.

AllGen can manage corporate accounts as well.

AllGen can open a donor advised account that allows for a select list of investment options provided by Schwab Charitable. We can help you decide which funds to choose based on your investment goals.

Currently AllGen does not directly manage client HSA accounts through Investment Management but can provide investment guidance based on your plan or individual situation.

It’s never too late to start investing, however there are important things to consider first. A good foundation like adequate emergency reserves and little to no consumer debt, as well as having basic insurance can have a greater impact on achieving your investment goals. An AllGen Financial Advisor will help you address these points and make sure you have the basics covered before investing.

No. Although you need to be 18 to open an investment account, there are ways to begin investing sooner. An AllGen Financial Advisor can explore options whether it be opening up a custodial account, or a Trust, we will determine what works best to achieve your goals.

AllGen currently serves over 1,000 clients and counting!

AllGen works with small business owners and individuals of all generations, hence the name: “All-Gen.” Our clients are from all walks of life and we believe everyone has the right to good financial advice, no matter age, race, or income.

AllGen has no account minimums and welcomes all people seeking prudent, objective financial advice.

An IRA Rollover is an individual retirement account that holds tax-deferred dollars. Clients may “roll-over” previous employer sponsored retirement plans (like a 401k) into these accounts. They can often do this without a tax penalty and the assets may still grow tax-deferred. For more information, visit our IRA and 401k Rollovers page. You can also find information about a basic rollover here.

AllGen develops diversified portfolios for clients by incorporating investments of multiple asset classes and sectors. We strive to optimize risk and reward through proper asset allocation, diversification, and strategic rebalancing. These strategies have historically reduced risk in portfolios over time. For more information, you can review our blog and video about rebalancing.

Everyone has different investment goals. We want to hear yours so we can develop a plan that can put dreams into reality. Our team of advisors, planners, and analysts will work together to determine specific action steps for you, so you can be financially free one day.

Investment Management focuses on wealth accumulation and is predominantly in the Formation Stage of the Path to Financial Freedom. Financial Planning focuses on big-picture aspects of your journey to financial freedom and can range from budget planning and debt elimination (debt snowball), to determining best life insurance options, tax minimization, education funding or retirement planning. Our planners can sometimes serve as therapists, life coaches, accountability partners and much more than just financial related stereotypes.

Financial Freedom is the intersection between the life you want to live and your ability to live it! AllGen prioritizes the concept of Financial Freedom and often uses this language instead of just “retirement” as a way of acknowledging the many different goals people may have throughout their lifetime.

Contact a financial advisor today to take charge of your financial goals and make your Financial Freedom a reality!