What is a Registered Investment Advisor?
  • A Registered Investment Advisor (RIA) manages the assets of high net-worth individuals and institutional investors.  They must register with Securities and Exchange Commission (SEC) and any states in which they operate.
  • Entities that receive compensation for giving advice on investing in securities such as stocks, bonds, options or exchange traded funds are deemed to be investment advisors.
  • An Investment Advisor must adhere to a fiduciary standard of care laid out in the US Investment Advisors Act of 1940
Why use a Registered Investment Advisor?
  • A Registered Investment Advisor is required by industry and regulatory standards to act and serve a client's best interests with the intent to eliminate, or at least to expose, all potential conflicts of interest which might incline an investment advisor—consciously or unconsciously—to render advice which was not in the best interest of the Investment Advisor's clients.
Does GFS hold my assets?
  • No.  All assets are held a Pershing, LLC, a division of The Bank of New York Mellon.  No deposits will ever be made directly to GFS but rather they are only made directly to your account held at Pershing, LLC.
Are my assets secure?
  • All assets are held at Pershing, LLC, a division of Bank of New York Mellon.  Visit this page which covers the security and financial viability of Pershing, LLC.
  • All assets are insured by SIPC.  For more information on SIPC and how they operate please visit.  http://www.sipc.org/
How is your account fee charged at GFS?
  • An asset based fee is charged automatically on a quarterly basis for the succeeding quarter.
Is there any lock up period or backend sales charge?
  • No.  GFS has no lockup period, backend sales charge, or cancelation charge.
  • All liquid investment are typically available for same day withdrawal.  The only exception is for unsettled trades which carry a maximum wait time of 72 hours. 
  • Since all program fees are charged quarterly in advance, any account closings will result in a prorated refund of the unused portion of that specific quarter.
How often will I receive reports?
  • Reports and account details are available 24/7 online.  These reports include but are not limited to monthly statements, trade confirmations, tax documents, prospectuses, proxy notifications.  Paper delivery of all documentation is also available.
Is my personal information secure?
  • Working on behalf of you, our clients, we at Geremia Financial Services, LLC, recognize the importance of protecting the confidentiality of nonpublic personal information that we collect about our clients. The information is used to ensure accuracy in reporting and record keeping, to maintain our clients’ accounts, and to carry out requested transactions.  Keeping this information secure is a top priority for us, and we are pleased to share with you our privacy policy.
Geremia Financial Services, LLC is a Registered Investment Adviser. Custody and clearing offered through Pershing Advisor Solutions a Division of Bank of New York.  Geremia Financial Services, LLC only provides investment advice to persons residing in states where it is properly registered, or excluded or exempted from registration requirements. The presence of this web site on the Internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any state other than the states where legally permitted. Please be aware that there are risks associated with all investments and investment strategies. Historical investment performance may not be indicative of future results. It is the policy of Geremia Financial Services, LLC that any e-mail address or other personal information given to Geremia Financial Services, LLC through this website will not be shared with any third party without the sender’s permission. Information submitted to Geremia Financial Services, LLC via this website, other than personal information, will be treated as non-proprietary and available for use by Geremia Financial Services, LLC in its normal course of business.
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