Item 5 – Fees and Compensation
In addition to the information provided in Item 4, Advisory Business, this section provides details
regarding our services along with descriptions of each service’s fees and compensation arrangements.
When providing advisory services to you, our investment advisor representatives (“representatives”) meet
with you to determine your current personal and financial situation as well as your goals and
objectives. An investor profile questionnaire is completed and necessary documentation (i.e., wills, tax
returns, broker statements, insurance policies, etc.) is gathered and reviewed. These meetings also
include a discussion of our representatives’ analyses and recommendations to help you achieve your
desired objectives.
Asset Management Services
We offer fee-based asset management services that include giving investment advice based on your
individual needs. When providing these services, we are solely responsible for making all investment
recommendations and also for making changes to the managed account. If you elect to engage us for
this service, we develop an individualized investment program for your account (i.e., current income,
balanced, growth and income and maximum growth). We provide various investment strategies through
our management services; a specific investment strategy and investment policy is crafted for you and
focuses on your specific goals and objectives.
To provide these services, we need to obtain certain documentation (i.e., wills, tax returns, broker
statements, insurance policies, etc.) and information from you to determine your financial situation and
investment objectives. You may be asked to complete an investor profile questionnaire that includes an
analysis of your investment style and risk comfort level. Although your specific needs and objectives are
always considered, clients generally fall within one of the following investment categories:
Aggressive. Client desires to maximize capital appreciation despite a correspondingly higher
level of risk and volatility.
Moderately Aggressive. Client desires to provide for a high degree of capital appreciation with a
high degree of volatility expected.
Moderate. Client desires a balance between achieving capital appreciation and seeking income.
Moderately Conservative. Client desires long-term growth through capital appreciation with a
decreased level of volatility.
Conservative. Client desires current income with a small potential for growth from capital
appreciation.
Income. Client desires the generation of current income with a very low degree of volatility.
Using this risk analysis as well as other specific client information gathered during initial discussions and
document review, our representatives may develop a model investment portfolio using Morningstar
Office. Recommended investments in these portfolios generally consist of domestic and international
equity mutual funds or Exchange Traded Funds (ETFs), and fixed income mutual funds or ETFs. The
AtlasMark Financial, Inc. Form ADV Part 2A: Firm Brochure
funds recommended to you are usually traded at net asset value (NAV) in the case of mutual funds and at
current market prices in the case of ETFs.
You should notify us when your financial situation or investment objectives have changed or if you want to
impose and/or modify any reasonable restrictions on management of your accounts. At least annually, we
contact you to determine whether your financial situation or investment objectives have changed, or if you
want to impose and/or modify any reasonable restrictions on your managed accounts. We are always
reasonably available to consult with you relative to the status of your accounts. You have the ability to
impose reasonable restrictions on the management of your accounts, including the ability to instruct us
not to purchase certain securities. Your beneficial interest in a security does not represent an undivided
interest in all the securities held by the custodian, but rather represents a direct and beneficial interest in
the securities which comprise the account. A separate account is maintained for you with the custodian,
and you retain right of ownership of the account (e.g., the right to withdraw securities or cash, exercise or
delegate proxy voting and receive transaction confirmations).
We require that your assets be maintained in an account with Fidelity Institutional Wealth Services
(“Fidelity”). See Item 12, Brokerage Practices, for additional discussion on our recommendation and
use of Fidelity. We assist you in establishing a managed account through Fidelity. There is no minimum
investment amount required to establish or maintain a managed account. Our representatives also assist
you in making transactions in your account. Fidelity maintains custody of your funds and securities.
Neither we nor our representatives act as custodian, and we do not have access to your funds and
securities except to have advisory fees deducted from your account by Fidelity with your prior written
authorization and then paid to us.
Assets held at Fidelity are maintained in a separate account based on the street name and/or account
registration type. You may also contact Fidelity at 800-544-6666 or write them at www.fidelity.com if you
have questions about the statements you receive or wish to establish an online access with
Fidelity. Fidelity’s address is Fidelity Investments, PO Box 770001, Cincinnati, OH 45277-0003.
We can also manage 529 Plans held directly at American Funds. You may contact American Funds at 1-
800-421-9888 or write them at www.capitalgroup.com if you have questions about the statements you
receive or wish to establish an online access with American Funds. Their address is: CollegeAmerica®,
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