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Welcome to Resolute Wealth AdvisorClick any Box Below to Learn More
MEET THE TEAM
WEALTH MANAGEMENT
CLIENTS WE SERVE
INVESTMENT PHILOSOPHY
WELCOME!
WHO TO CONTACT
FAQ
HOW DO I MAKE A REFERRAL?
Welcome
Welcome to Resolute Wealth AdvisorWe strive to help our clients achieve peace of
mind in their financial decision making tofeel comfortable and confident that
their plan is working.
The purpose of this manual is to clarify how the team at Resolute Wealth Advisor
operates and how our services can impact your future.
Meet the Team
Scott Hohman, CFP®, AIF®
Erin Zylka, AIF ®
Beau Bryant
Andrew Hohman
Krissy Huber
As the foundation and dedicated point-of-service professional for ResoluteWealth Advisor’s Team, Krissy’s enthusiastic approach to client service andbusiness development has made her an asset as Resolute’s Client ServiceCoordinator. Her previous experience in the real estate industry, focusing onrelationship building, marketing, and client-oriented requests, provides our firmwith a knowledgeable perspective in providing higher standards of service withgreater levels of efficiency.
Krissy seeks to enhance the client experience through proactive outreach andprompt follow-up. Her attention to detail, process-driven mindset, andcommitment to providing high levels of customer service is integral to ResoluteWealth Advisor’s success. Her primary responsibilities include scheduling andassisting advisors in preparing for client meetings, responding to client inquiriesand transactional requests, overseeing marketing campaigns, and managingResolute’s social media and online presence.
Krissy and her husband, Tim, reside in Findlay along with their two children, Paigeand Presley. She enjoys spending time with her family and staying active withvarious hobbies.
Nick Raich, CFA®
Wealth Management
LIFETIME CASH FLOW
MULTI-GENERATIONAL PLANNING
LIQUIDITYPLANNING
RISK / LIABILITY MANAGEMENT
FINANCIAL PLANNING
TRUST &ESTATE PLANNING
CHARITABLE GIVINGSTRATEGIES
TAX-EFFICIENT INVESTING
BUSINESS TRANSITIONS
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Our financial planning process begins with a comprehensive evaluation of your current and future financial landscape, including,
but not limited to, net worth, investment asset allocation, current and future income requirements, legacy and estate planning, tax-
efficient strategies, business planning, and charitable gifting. From there, a consolidation of all assets and goals is compiled into a
single detailed and actionable plan.
Financial Planning
Lifetime Cash Flow
Lifetime cash flow review includes analyzing your pre- and post-retirement income and expenses, making cash-flow projections,
and evaluating your current savings rate, mortgages, and debts to determine if they are structured properly to achieve your goals,
and then recommending alternatives to help increase your likelihood of success.
Multi-Generational Planning
Multi-generational planning is imperative for many of our clients, as it includes developing wealth-transfer strategies beyond the
scope of investment goals and traditional “money management.” This area of wealth management requires asking pertinent
questions such as: “what do you want to leave behind?”, “how do you want your wealth to affect your children’s lives and
grandchildren’s lives?”, and “how and when should heirs receive inheritance?”. Multi-generational planning is important for those
who are looking for ways to transfer the maximum amount possible to heirs while minimizing tax implications.
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Risk/liability management addresses an objective analysis regarding the need for lifetime income protection, business continuity
planning and protection, long-term care, disability income protection, health insurance, and property and casualty insurance
needs. Our analysis includes a personal audit and review of existing insurance policies and ownership structure. In addition to the
overall risk management review, we will coordinate, when needed, with third-party providers to address risk
management/insurance needs related to your complex estate planning and wealth transfer issues.
Risk/Liability Management
Business Transitions
Choosing the right approach when deciding how to transition your business consists of attaining a fair market valuation, assessing
the taxable events, reviewing options to handle capital gains or ordinary income received, and transitioning the business owner
from familiar business income to future retirement income sources. This can include charitable gifting or wealth transfer strategies
to minimize taxes in the year of the business sale.
Liquidity Planning
Liquidity planning consists of developing strategies to provide financial flexibility for everyday living and significant life events. We
thoroughly assess current routine living expenses and compare those to expectations for future income needs. This part of wealth
management planning helps us to better build a structured plan for retirement versus non-retirement investment funding.
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Trust and estate planning involves determining the most appropriate way to structure your assets and liabilities to best transition
them to the proper beneficiaries. We facilitate working with a team of qualified experts to create necessary documents (wills,
durable powers of attorney, health-care directives, and irrevocable life insurance trusts, etc.) to achieve comprehensive wealth
transfer and asset protection strategies, asset re-titling and beneficiary changes, and estate liquidity planning.
Trust & Estate Planning
Charitable Giving Strategies
Charitable giving strategies become an important part of our conversations with clients who are committed to supporting their
favorite charity or non-profit organization. These methods can include naming a charitable organization as a beneficiary, utilizing
required minimum distributions for gifting purposes, providing education regarding the illustration and implementation of
charitable trusts, irrevocable trusts, and valuation discount strategies, and clarifying personal values and your family's mission.
Tax-Efficient Investing
We remain cognizant of tax implications surrounding investments within client portfolios, as we focus on increasing the longevity
of your retirement assets through the following strategies: tax diversification, accumulating funds into taxable, tax-deferred, and
tax free investment accounts, creating more flexibility in retirement and greater control over your taxable income. We, also, utilize
asset location strategies for tax minimization purposes by holding specific securities in each type of the aforementioned
investment accounts.
Investment Philosophy
As an independent Registered Investment Advisor (RIA), we are uniquely able to design a customized investment portfolio that provides
value for our clients. Using our team approach and leveraging our diverse skill set, we work together to ensure that your portfolio is built
considering your financial needs and goals, cash-flow requirements, tax implications, and wealth transfer strategies.
Our investment management services include:
Portfolio Inventory and Analysis
Investment Policy Statement Design and Implementation
Incorporating a Portfolio Tailored to Risk Tolerance
Asset Location, Allocation, and Optimization
Offering Socially Responsible Investment Options
Daily Updated Performance Reporting via Client Portal and Mobile App
Portfolio Review and Monitoring
Daily Rebalancing Review Based on Pre-determined Tolerance Levels
Clients We Serve
Who to contact?
Scott Hohman, CFP®, AIF®
Contact Beau Bryant if you have questions related to the following topics:
Contact Scott or Erin if you have questions related to the following topics:
Wealth management process
Investment policy
Future retirement planning
New financial situations/planning concerns
Your portfolio
Contact Andrew Hohman if you have questions related to the following topics:
Scheduling/cancelling appointment
Account paperwork (transfer, new accounts)
Questions about accessing Client Portal and Mobile
App
Log in information for investment and retirement
accounts
Erin Zylka, AIF®
Beau Bryant
Andrew Hohman
401(k) investment recommendations
Assistance with retirement plan enrollments
Education planning/funding
Understanding client statements
FAQHours of Operation: Monday-Thursday – 8:30am to 5:00pm
Friday – 8:30am to 4:00pm
Location: 1100 East Main Cross Street, Suite 157, Findlay, Ohio 45840
What is the turn-around time I should expect for emails and voicemail messages left with my Advisory Team?
Your Advisory team or Client Service Advisor’s goal is to respond to any client inquiry within 24-48 hours.
Can I decide to terminate the agreement at any time and is there a procedure? If so, are there any fees involved?
Who should I contact to schedule an appointment with my advisor?
Any team member at Resolute can help you schedule an appointment with your advisor.
What should I expect when I schedule a meeting with an advisor?
Resolute will send an introductory email, confirming the date and time of your initial meeting and detailing any items thatwould be helpful for you to bring along. This email will also include directions to our office and a brief outline of what toexpect during the meeting.
Our agreements are non-binding and can be terminated at any time, with or without prior notice. Fees may apply for pro-rated investment management services provided.
FAQ
What are Resolute’s commitments to its clients?
In consideration of the trust you place in us, we commit to:• Act in a fiduciary capacity, looking out for your best interest. Resolute has no allegiance or obligation to any unrelated
company, product, or service provider.• Treat your financial and personal information with a high degree of confidentiality. We have a strict Privacy Policy to which
we abide.• Provide advice even if you may not want to hear it or even if this causes you some discomfort. The people we work with
prefer us to be honest whenever we encounter what seem to be unrealistic expectations, a pattern of living beyond one’smeans or even an occasional disconnect between stated goals and financial decisions.
• Our mission is to offer you an open structure in which we can customize a plan for you. Together we will work to create aplan for your financial future, meeting at least annually to discuss any changes to your financial situation, and adjust yourportfolio as necessary.
Do you have a minimum account size? Our services are best suited for clients who possess investable assets of at least $500,000 as well as a need for more complex financial planning services. Instances where clients have not yet achieved these levels, but are on a path to do so, will be considered.
What is your fee structure? At Resolute Wealth Advisor, our advisory fee is calculated based on average daily balance of your total managed assets. Our accounts are billed quarterly, in arrears. Our fees follow the structure listed below:
• $0 - $499,999 1.00%• $500,000 - $1,999,999 0.75%• $2,000,000 and up 0.50%
FAQ
What is a CERTIFIED FINANCIAL PLANNER(CFP®)?
Licensed by the Certified Financial Planner Board of Standards, CFP®s must pass an advanced college-level course of studyaddressing financial planning subject areas, including insurance planning and risk management, employee benefits planning,investment planning, income tax planning, retirement planning, and estate planning. In addition, they must pass thecomprehensive CFP® certification examination and obtain at least three years of full-time financial planning-relatedexperience. To maintain the designation, CFP®s must complete 30 hours of continuing education every two years.
As a registered investment advisory firm, Resolute Financial Advisor, Inc. acts in a fiduciary capacity, meaning that we put theinterests of our clients ahead of our own interests. Under the Investment Advisers Act of 1940, any firm that is engaged in thebusiness of providing financial advice for a fee is considered to be an “investment advisor.” These firms are required to beregistered with the appropriate federal or state agency. As such, Resolute Wealth Advisor, Inc. is registered with the Securitiesand Exchange Commission (SEC).
What is a Registered Investment Advisory (RIA) firm?
What is an ACCREDITED INVESTMENT FIDUCIARY (AIF®)?
The AIF® Designation certifies that the recipient has specialized knowledge of fiduciary standards of care and their application to the investment management process. To receive the AIF ® Designation, the individual must meet prerequisite criteria based on a combination of education, relevant industry experience, and/or ongoing professional development, complete a training program, successfully pass a comprehensive, closed‐book final examination under the supervision of a proctor and agree to abide by the Code of Ethics and Conduct Standards. In order to maintain the AIF ® Designation, the individual must annually attest to the Code of Ethics and Conduct Standards and accrue and report a minimum of six hours of continuing education. The Designation is administered by the Center for Fiduciary Studies, the standards‐setting body of fi360.
How do I make a referral?
As you may know, in addition to working withexisting clients, we want to help others achievefinancial peace of mind, as well. If you knowothers who are motivated to reach their financialgoals or have financial complexities with whichthey need help, please have them email us or fillout the “Contact” section of our website. Wewelcome the opportunity to be a part of makingtheir financial goals a reality.
There are multiple ways you can refer:
Call us at 419-422-4400
Visit our website at www.resoluteadvisor.com to schedule a meeting
Visit us in the office
Email us at [email protected]
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Resolute Wealth Advisor, Inc. is an SEC registered investment adviser. This is not an offer to buy or sell securities. No investment process is free ofrisk and there is no guarantee that the investment process described herein will be profitable. Investors may lose all of their investments. Pastperformance is not indicative of current or future performance and is not a guarantee. The information set forth herein was obtained from sourceswhich we believe to be reliable, but we do not guarantee its accuracy. In preparing these materials, we have relied upon and assumed withoutindependent verification, the accuracy and completeness of all information available from public and internal sources. Resolute Wealth Advisor,Inc. shall not in any way be liable for claims and make no expressed or implied representations or warranties as to their accuracy or completenessor for statements or errors contained in or omissions from them.
