Freeman, Will & Niemeier, Inc.

Freeman, Will & Niemeier, Inc. provides advisory services to individual clients (both high-net-worth and non-high-net-worth), pension and profit-sharing plans, and charitable organizations. Its service offerings include non-discretionary individual portfolio management, pension consulting (IPS preparation, investment vehicle selection, monitoring, and participant education), financial planning, and other consulting services.

The firm’s investment process blends fundamental and technical analysis, asset allocation, mutual fund/ETF analysis and a long-term purchase orientation, with client-specific investment policies established through interviews and reviewed quarterly (with annual rebalancing as appropriate). Accounts are managed primarily on a non-discretionary basis, with the firm implementing transactions separately for each account and requiring client authority to effect trades.

A distinctive feature disclosed in the brochure is that firm personnel are also licensed as registered representatives and insurance agents and may implement recommendations that generate commissions or 12b-1 fees; the firm discloses these potential conflicts and notes that such fees may be used to offset advisory fees for ERISA accounts. Also notable for a firm managing roughly $284,181,959 in client assets, Freeman, Will & Niemeier combines pension-plan services (including participant education) with individualized, non-discretionary portfolio management.