T.R. Chaney, LLC offers through INVEST Financial Corporation (INVEST) a full range of investment products, accounts and services for businesses and individuals.  Financial Advisors of T.R. Chaney, LLC are registered and qualified to act in the capacity of a Registered Representative of INVEST.  You should understand that our brokerage services are separate and distinct from our investment advisory services.  Depending upon the capacity in which we act, either as Financial Planner or Registered Representative, there may be similarities among the services we offer.  However, our contractual relationship and legal duties differ for these services.   

Our Role as a Broker

Our role as a Registered Representative of INVEST is to act as your broker.  In addition to executing trades on your behalf, we may also provide a wide variety of services relating to your investments including giving you investment-related guidance, making investment research available to you and providing custodial services.   Registered Representatives may assist clients in identifying their investment needs and goals as well as creating investment strategies designed to pursue those goals.

As a broker, we do not make investment decisions for clients or manage their accounts on a discretionary basis.  We buy or sell securities based on specific instructions from our clients.  When we act as a broker, we do not enter into a fiduciary relationship and we are not held to the legal standards that apply when we are acting as a Financial Planner.  As a broker we are compensated in the form of commissions, which are incurred when a securities transaction is executed.

Our Role as a Financial Planner

As an Investment Advisor Representative of INVEST, we act as your Financial Planner.  Our primary role is to give you advice and help you manage your investments.   When we act as your Financial Planner, we enter into a written agreement with you, acknowledging our fiduciary relationship and describing our obligations to you.  Services range from active portfolio management to broad based, modular and consultative financial planning services.        

As a Financial Planner, we are compensated in the form of fees, not commissions.  For active portfolio management services, we charge a percentage of assets under management.  For modular and consultative services, the fees we charge are negotiable and will vary depending on the complexity of your case.  Our modular approach allows us to address specific issues of concern to you at a minimal cost.  I.E. Funding a College Education.  For a complete disclosure of our services and fees, ask your Financial Planner for our ADV Brochure.