Kim C. Christensen
Registered Investment Advisor

GENERAL INFORMATION & DISCLOSURE BROCHURE

 Kim C. Christensen has been registered with the State of Texas as an investment adviser since 2008.

Personnel

Kim C. Christensen is the only person giving investment advice. Born in 1957, Kim graduated from the University of Houston in 1991 with a Master of Business Administration degree, Montana Tech in 1984 with a Master of Science degree in geology, and the University of Montana in 1981 with a Bachelor of Arts degree in geology.  He completed the Certified Financial Planner™ course at the University of St. Thomas in 2001.   He worked in the petroleum industry for 17 years, most recently for Schlumberger as a Senior Geoscientist, until he became a Financial Representative in 2001 for Northwestern Mutual Financial Network, where he remained until starting his Registered Investment Advisory and Financial Planning firm in 2008. He earned the CFP^® and ChFC designations in 2004 and CLU designation in 2003.

How We Operate (fees)

We do financial planning and investment advising. As a financial planner we charge up to $200 per hour, depending on the complexity of your financial situation, for consultations.  We charge between $500-$5000 for complete financial plans, depending on the complexity of the plan and your situation.  Half the fee is due in advance, the rest upon presentation of the plan. IN ALL CASES, if a client cancels, any prepaid fees will be refunded on a pro-rated basis.  We will give you advice on your financial concerns, including, but not limited to: investments, taxes, insurance, retirement, estate, and special needs planning. In the case of hourly consultation, you are the sole determinate of how many hours of financial counseling you’ll need, and you can terminate at any time and for any reason by making your request in writing.

As an investment adviser we manage your account for a percentage of the assets under our management. The annual fee ranges from 1/2 of 1% to 2%, depending on the size and complexity of your account. The fee is paid quarterly, at the start of each quarter. If you wish to terminate our association, and you can do so at any time, any prepaid fees will be promptly refunded to you on a pro-rated basis. Additionally, we may select and monitor other money managers (registered in Texas) on your behalf.   When we do so the other money managers pay us a portion of the fees generated by the referred clients.  Clients do not pay us directly for this service.  Or, we may charge our own fee, which clients pay him directly. The annual negotiable fee ranges from 1/2 of 1% to 1%, depending on the size of the referred fees.  If a client cancels, any prepaid fees will be refunded on a pro-rated basis.

You are free to select any broker you wish for implementation of our advice. If you want us to recommend a broker, you’ll get a recommendation based on the broker’s costs, skills, reputation, dependability and compatibility with you, and not upon any financial agreement between the recommended broker and us. NOTE: Clients may be able to obtain lower commissions and fees from other brokers, and the value of products, research and services given to the applicant is not a factor in determining the selection of broker/dealers or the reasonableness of their commissions.

General Information

Most of our clients are individuals, but we also work with pension plans, businesses, charities and trusts & estates. We give advice on, but don’t necessarily recommend, all types of securities, ranging from government bonds through mutual funds to commodities. We engage in fundamental security analysis. Our main sources of information are financial newspapers & magazines, research materials prepared by others, corporate rating services, annual reports and

company press releases. Our investment strategy is investing for the long term, occasionally for the short time.

On occasion, we may buy or sell securities that we recommend to you. There is no conflict of interest as the securities we recommend are widely held and publicly traded and we are too small an adviser/investor to affect the market and we always place your interests ahead of our own interests.

We review managed accounts weekly and financial planning accounts annually. The calendar is the triggering factor. Accounts at other money managers are reviewed when we get their statements, usually quarterly. We don’t prepare regular reports for you. You’ll get statements from your broker/dealers, mutual funds and other money managers, as appropriate.

We do not earn sales commissions by selling securities. We do sell insurance products.

Clients should be aware that a conflict exists between the interests of the adviser and the interests of the clients; and that the client is under no obligation to act upon the recommendations of the adviser; and if the client elects to act upon any of the recommendations, the client is under no obligation to affect the transaction through the adviser.

We do not compensate anyone, either directly or indirectly, for client referrals. We do not have a minimum size for client accounts.

When we manage your accounts on a discretionary basis, we limit our discretionary authority by prohibiting ourselves from withdrawing funds and/or securities from your accounts. In addition, discretionary transactions are limited to stocks & bonds, mutual funds and government securities.