VIP Financial Associates

VIP Financial Associates (Premier Capital Management, LLC) provides financial planning and discretionary portfolio management to individuals, high‑net‑worth clients, trusts, and estates. Like many independent advisers, it charges asset‑based fees and tailors services through client interviews and written profiles, and may implement strategies using sub‑advisors and an overlay portfolio management system.

The firm’s investment process centers on individualized asset allocation informed by client objectives and risk tolerance, and it uses a mix of fundamental and technical analysis to select securities and manage portfolios. Premier Capital relies on third‑party model managers and the due‑diligence services of Premier Capital Solutions for manager selection, with ongoing monitoring, rebalancing, and trading under a fiduciary standard for retirement accounts.

Noteworthy aspects disclosed in the brochure include that the firm’s investment adviser representatives are licensed independent insurance agents and may offer insurance products for separate commissions, a practice the firm identifies as a conflict of interest and seeks to mitigate through fiduciary policies and disclosure. The firm also provides financial planning at no additional cost to its portfolio management clients and discloses potential receipt of research or other benefits from custodians and fee‑sharing arrangements with sub‑advisors and model managers.