Dennis L. Roubal is a Certified Financial Planner and Registered Investment Advisor who resides in Marquette, Michigan.

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SEC ADV Form
(Full disclosure of business practices form)

 
   
 
   
 
Full disclosure
...a fiduciary who participates in a transaction for his own benefit is required to fully reveal the details of such
...the obligation to reveal all details of a transaction to the consumer.
—Henry Campbell Black, M.A., 1860-1927, constitutional scholar and author, Blacks Law Dictionary
   

All investment advisers are required to register their business, either directly with the U.S. Securities and Exchange Commission (SEC) or indirectly through their state's financial regulatory body. Registration involves the completion and filing of the SEC's Uniform Application for Investment Advisor Registration, or Form ADV.

Form ADV contains a variety of information about a registered investment adviser (RIA) and his or her business practices, services, and fees that can be useful to clients or prospective clients:

 
Advisory services
(provided) & fees
•  Other financial industry activities or affiliations (advisor's conflicts of interest)
Types of clients Participation or interest in client transactions (advisor's conflicts of interest)
Types of investments Conditions for managing accounts (size of accounts managed)
Methods of analysis Review of accounts (frequency and nature)
Sources of information Investment or brokerage discretion (authority to act on behalf of clients)
Investment strategies Additional compensation (arrangements for)
Education & business standards Balance sheet (of clients' managed funds or securities)
•  Education & business background Schedule F (explanatory attachments to above)
Other business activities
(of advisor)
Schedule G (balance sheet)

 

Dennis Roubal, CFP®, RIA, owner and principal of Financial Growth Concepts (FGC), SEC File No. is 801-61817, is in full compliance with the federal filing requirements imposed upon financial advisory firms by the US Securities and Exchange Commission (SEC) and the Michigan Office of Financial and Insurance Regulation.*

To view a PDF copy of his full-disclosure form (Form ADV, Part 2A, entitled Firm Brochure), click here.

To view a PDF copy of his full-disclosure form (Form ADV, Part 2B, entitled Brochure Supplement), click here.

To obtain a written copy of his full-disclosure form (Form ADV) write, phone, or e-mail him at:

Financial Growth Concepts
Dennis L. Roubal, CFP®, RIA
16 Timber Creek Road
Marquette, Michigan 49855

E-mail: DenRoubal@Yahoo.Com
Phone: 906-249-2041
Cell: 906-360-1328

 

To view his current status as a Certified Financial Planner™ (CFP®) with the Certified Financial Planner Board of Standards, Inc., click here.

To find out if your financial advisor is electronically registered with the US Security and Exchange Commission (SEC), click here.

To find out if your financial advisor is a Certified Financial Planner™ (CFP®), click here.

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* US Code (USC); Title 15—Commerce and Trade; Chapter 2D—Investment Companies and Advisors; Subchapter II—Investment Advisors (15 U.S.C. 80b-1 et seq.)
* Code of Federal Regulations (CRF); Title 17—Commodity and Securities Exchanges; Chapter II—Securities and Exchange Commission; Part 275—Rules and Regulations, Investment Advisers Act of 1940 (17 CFR 275.0-2 et seq.)

 

Wealth is the ability to fully experience life.
—Henry David Thoreau (a.k.a. David Henry), 1817-1862
American essayist, poet, and philosopher


If you've been able to read this Web page
...thank a Teacher;
If you've been able to read this Web page in English
...thank a Veteran.
—Author unknown

Copyright © 1991 — 2015-03-30 by Dennis L. Roubal, CFP®, RIA

Web site URL: www.DennisRoubal.com

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