V M Lechner, cfp - Disclosure

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DISCLOSURE

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Disclosure

The following is substantially the same as our disclosure brochure registered with the Commonwealth of Massachusetts and available on request.

Fee-only investment advisory and financial planning services for individual investors

Adviser

Victoria M. Lechner
Certified Financial Planner^TM and
Registered Investment Adviser
380 Elm Street, Suite 3
North Attleboro, MA 02760-3314

Background

in business since 1990

Education

Financial Planning Certification, NEFE,
College of Financial Planning, CO
BA, cum laude, St. Joseph's College, ME

Licenses

NASD: Series 65

CFP Board of Standards: CFP^®

Commonwealth of Massachusetts: Registered Investment Adviser

Professional
Affiliations

FPA - Financial Planning Association

Mission

To help our clients achieve comfort in financial security.

Services Provided

Wealth
Management

includes portfolio design and supervision with daily updates from custodian. As a fee-only financial planner, this firm recommends only high quality, true no-load, low annual expense and daily priced investment products.

Reports

of portfolio value

Regular meetings

to keep all parties updated

Comprehensive
financial planning

Retirement planning

Estate planning

Tax planning strategies

Risk management evaluation

Fees

as of January 1, 2008

Wealth Management

The annual fee for clients receiving portfolio supervision with monthly reports and regular meetings is based on anticipated time spent over the year for the client's financial needs.

The preset fee is payable in monthly installments from client accounts.

Consulting

Financial planning through consultations, without wealth management, is offered at $200/hr.

Wealth Management

Wealth management services include the following. Refer to our services page for details.

Review: completed at least quarterly on each investment portfolio. Additional reviews done after a minimum 10% market change.. All accounts are reviewed by Victoria M. Lechner, CFP^®.
Reports: mailed to clients monthly and include current portfolio value and market analysis. Clients receive additional reports as required.
Meetings: scheduled on an as needs basis, at least annually. Meetings provide time for and seek to review clients' life situation changes as well as market and portfolio performances and respond to clients' questions.

Other Business Information

This firm uses a fundamental method of security analysis.

Information sources include financial journals, research material prepared by others, and reports and prospectuses filed with the Securities and Exchange Commission.

The Investment Strategy is implemented by using long term purchases.

Brokerage service is arranged with TD Ameritrade Institutional Services, offering no-load mutual funds, stocks, bonds and options at minimal cost to investors. This brokerage pays no returns to advisers who use it.

Any adviser of clients of this Firm must have CFP^® designation, and be registered as an Investment Adviser Representative.

This Firm and its Adviser engage in no other business activity, receive no additional compensation, participate in no other financial industry activities or affiliations and participate in no client transactions. This Adviser has no history of disciplinary action. You may call the Massachusetts Securities Division, 617 727-3548, for the disciplinary record on any Adviser.