Form CRS – Client Relationship Summary

March 31, 2023

 

Introduction

 

SS&H FINANCIAL ADVISORS, INC. is registered with the Securities and Exchange Commission as an investment adviser. Fees for brokerage and investment advisory services differ among broker-dealers and investment advisers and it is important that you understand the differences. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing.

 

What investment services and advice can you provide me?

 

As a registered investment adviser, we offer portfolio management services to retail investors with accounts that meet our initial minimum investment and ongoing account size requirements. We will continuously monitor your investments and provide advice. When you engage us for portfolio management services, you will sign an investment advisory agreement that gives us discretionary authority to determine the investments to buy and sell in your account. You may impose reasonable restrictions on investing in certain securities or types of securities in accordance with your values, beliefs, or preferences but should be aware this may limit us from buying or selling certain securities when it may be advantageous to you. A minimum account size of $350,000 is generally required, however exceptions can be made in certain circumstances.   The investment advisory agreement remains in effect until either of us terminates via written notice.

 

You are encouraged to ask us questions including the following to help you better understand our services: Given my financial situation, should I choose an investment advisory service? Why or why not?  How will you choose investments to recommend to me?  What is your relevant experience, including your licenses, education and other qualifications? What do these qualifications mean?

 

What Fees Will I Pay?

We charge a percentage of assets under management for portfolio management services. These fees are assessed on a quarterly basis, in advance. You should be aware that the more assets there are in your account, the more you will pay in fees. This means we have an incentive to encourage you to increase the assets in your account. We also charge fixed fees for some unique relationships and bill the fees quarterly.

Please refer to our Form ADV, Part 2A Brochure for more detailed information about our services.

 

In addition to our fees, you may incur additional fees and costs related to the investments in your account, such as custodian fees, account maintenance fees, transaction costs, surrender charges, wire transfer and electronic fund fees, internal management fees of mutual funds, and other product related fees such as redemption fees.

You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.   Please refer to our Form ADV, Part 2A Brochure for more detailed information about our fees and your investment costs.

You are encouraged to ask us questions including the following to help you better understand the impact of fees and costs on investments: Help me understand how these fees and costs might affect my investments? If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?

 

What are your legal obligations to me when acting as my investment adviser? How else does your firm make money and what conflicts of interest do you have?

 

When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Here are some examples to help you understand what this means.

• We are fiduciaries to you. That means we are required to act in your best interest throughout our entire advisory relationship.

Please refer to our Form ADV, Part 2A Brochure for more detailed information about our conflicts of interest.

 

 You are encouraged to ask us questions including the following to help you better understand our conflicts of interest: How might your conflicts of interest affect me, and how will you address them?

 

How do your financial professionals make money?

 

Our financial professionals receive a salary and may receive a discretionary bonus based on their individual performance and the success of the firm.

 

Do you or your financial professionals have legal or disciplinary history?

 

No, please visit Investor.gov/CRS for a free and simple search tool to research our firm and your financial professional.

 

You are encouraged to ask us questions including the following to help you better understand our disciplinary history: As a financial professional, do you have any disciplinary history? For what type of conduct?

 

Additional Information

 

Please refer to our Form ADV, Part 2A Brochure for more information about our services. You may request updated information and a copy of our Relationship Summary by contacting us at (248) 538-9755 or info@sshadvisors.com.

 You are encouraged to ask us questions including the following to help you better understand who to contact with any questions or complaints: Who is my primary contact person? Is he or she a representative of an investment adviser or a broker-dealer? Who can I talk to if I have concerns about how this person is treating me?