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Frequently Asked Questions

Have a question? You’re probably not the only one . . . if it’s not listed here, give us a call today. We want to answer it!

Q: Who is Baxter Investment Management?

A: We are an independent, SEC-registered investment advisor, and we manage more than $800 million in assets for our clients. We are a fee-only advisor, which means we do not receive commissions on transactions or any other form of compensation for managing investments

Q: What services do you provide?

A: Our job is to continuously manage and monitor our clients' investment portfolios. We consult carefully with each client at the outset, to determine the client’s overall financial needs and objectives. Then we construct (or restructure) a portfolio that is designed to build and preserve wealth in accordance with each client's needs, tax circumstances, risk tolerance and objectives. We issue quarterly investment reports to clients and invite them to meet with us at least annually to review their portfolios in person. We are proud of our customer service and rigorous independent research.

Q: What type of clients do you work with?

A: Our clients are diverse, located across the country and have a broad range of backgrounds, ages and objectives. The majority of our clients are high-net-worth individuals, families and trusts, but we also work with businesses, foundations and endowments. Typically, our clients have a total of $1,000,000 or more under management across several accounts. Speak with a member of our team to learn more about how we might serve your needs.

Q: Why might I need investment management services?

A: In today's demanding and hectic world, many time-challenged investors choose professional management as the most effective means of building and preserving their assets. Our clients shift the day-to-day burdens of portfolio monitoring and decision-making (what to buy and sell and when to do it) to our team of professionals, and value our independent and unbiased approach. At Baxter Investment Management, our highly experienced team is dedicated to meeting your financial needs.

Q: How are you compensated and when do you get paid?

A: We charge a management fee based upon a percentage of the value of the assets we manage. The fee is an annual percentage fee and is billed quarterly by taking the value of the managed assets at the end of each calendar quarter and applying one-fourth of that annual percentage fee. We do not receive commissions on transactions and we accept no other forms of compensation from investment product providers or financial institutions.

Q: Where do I keep my accounts and what happens to the custody of my investments?

A: We do not accept or maintain legal custody of our clients' accounts. Our clients are free to maintain their accounts with any broker-dealer they choose, and they continue to receive all of the standard reports from their broker-dealer (e.g. monthly statements, trade confirmations, tax forms). We operate pursuant to an advisory contract that provides us with the limited power to trade our clients' accounts, receive duplicate statements, invoice client accounts for our fees and make cash distributions directly to our clients at their request.

Q: Am I locked-in? Are their termination penalties?

A: Absolutely not. There are no barriers to exit a relationship with Baxter Investment Management. The relationship is terminable on written notice at any time. There are no forced liquidations, termination fees, back-end loads, redemption fees or other charges associated with the termination of an advisory relationship with our firm.

Q: How will you communicate with me about my account? Will I receive notices or reports?

A: All of our clients receive detailed quarterly reports as well as annual reviews of their portfolio's performance. Quarterly reports include a valuation of the portfolio and its component holdings. Quarterly reports may also include a discussion of certain securities, sectors or investments; comments on the outlook for the market and the economy; a discussion of interim performance in comparison with relevant indices; and/or an appraisal of asset allocation or portfolio diversification, among other topics. We may also have occasional mailings on topics of interest. Most clients will talk with us at least several times during the year, and clients are encouraged to contact us by telephone, fax or email to discuss their investments or ask questions, or to schedule an appointment to meet with us at our offices.

Q: Will you charge extra to consult with my tax advisor, insurance provider or estate-planning attorney?

A: No. Such consultations are offered under our normal management fee. We welcome the opportunity to work together with any professional that you have engaged. We are also happy to provide referrals to professionals we think can assist you. We do not charge or collect referral fees.

Q: How can I get more details on Baxter?

A: Besides contacting us via our Contact page, you can also review our most recent SEC filing, including Form ADV Part 1 and Part 2 ("brochure") as well as our privacy policy.

Q: How do I get started?

A: Simply schedule a time to talk or give us a call us toll free at (866) 280-1924 to discuss your needs with our professional team. We will answer any questions you have regarding how we might work with you to meet your particular investment goals.