Approach

Hammond Investment Management begins its approach to investing by being an independent Registered Investment Advisor (RIA*). Using this approach as the foundation to our business we are able to provide independent and objective investment advice for our clients. We gain a complete understanding of our clients prior to any investments so that when the portfolio is implemented we know that it is one that fits the client best. Our fee is based on the size of the assets under management (total amount of the accounts being managed) and is spelled out clearly in a detailed investment advisory contract. This approach to billing lets the client know each quarter exactly what the fees will be.

• The investment approach begins with a clearly defined investment advisory agreement between the client and Hammond Investment Management. The agreement states that above all else, we will work as a Fiduciary for the client. This is an important point because not all investment advisors work in the best interest of the client. Fees are clearly stated in the agreement and the investment plan that is discussed below is implemented as part of the advisory agreement.

• The investment approach begins with discovering the client’s investment needs. The questions that are asked include what are the client’s investment goals, risk tolerance, time horizon, and income needs?

• After the needs are established we create an asset allocation (investment plan) that best suits the client.

• We then develop an investment strategy to carry out the investment plan keeping an eye on reducing expenses as much as possible.

• Assets are held at Charles Schwab & Company at no additional cost to the client other than trading costs. This approach provides another layer of safety for the client. The client receives monthly reports from Charles Schwab and in-depth quarterly reporting from Hammond Investment Management.

* “RIA” means we are registered with the State of Illinois. Registration does not mean a government agency approves an advisor or reviews their qualifications. Please note that “RIA” is not a designation, credential, endorsement, membership organization, or award.