Nicolette Financial provides fee-only investment advisory services on a non-discretionary basis only. The primary approach is to use a tactical allocation strategy aimed at reducing risk and increasing performance.

Nicolette Financial will make recommendations regarding an investment approach that is based on, but not limited to, the client’s financial needs, investment goals, time horizon, tax objectives, and tolerance towards risk. Selection of investment products may include but are not limited to exchange listed securities, variable life insurance, variable annuities, municipal securities, mutual funds, and US government securities. Clients may impose restrictions on investing in certain securities.

Nicolette Financial will manage the investments consistent with each client’s investment strategy as outlined in the Investment Policy Statement. Nicolette Financial will not take custody of client assets at any time. Nicolette Financial will be restricted to the powers outlined as “Limited Agent Authority” as specified in the Vanguard Agent Authorization Form. Nicolette Financial will obtain approval from the client prior to execution of any trade.