Services

Trafalgar Investment Advisers LLC offers you an opportunity previously only available to large investors-your own private money manager. This is possible through Trafalgar's VICTORY Account.

What is a Victory Account?

The Victory Account is the best way to protect the value of your money in any economy. CDs, Money-Market accounts, and bank accounts rarely earn enough to make up losses due to inflation.

A Victory Account has advantages to investing in a mutual fund.

The Victory Account does not have the entrance or exit fees that many mutual funds have and no other separate administrative costs. Mutual funds often charge various fees which the investor does not see-in many cases adding up to 3 percent or more. Trafalgar Investment Advisers LLC, on the other hand, generally charges a single 1 percent annual fee (see Fee Chart for further details). Another key comparison is that by investing in a mutual fund, the investor purchases the fund's current portfolio, which includes stocks that may no longer be a good value. As an investor in the fund, one participates in the tax liability for some of these past gains. A personalized account at Trafalgar Investment Advisers LLC would separate you from these disadvantages.

The Victory Account allows for personalized investment decisions which consider the individual needs of each client.

How a Victory Account can work for you!

• Your Victory Account may be opened individually, jointly or in the name of your trust with Fidelity Investments or another custodian of your choice.
• Trafalgar makes discretionary buy and sell decisions for your account. You will also receive statements, on at least a quarterly basis, showing the progress of your account. Trafalgar also offers a flat-fee account for those who wish to perform their own investment decisions and execution with access to Trafalgar's research, insight and guidance.
• Trafalgar strives to reduce transactions by choosing securities which hold strong potential for the long term. This means that commissions are kept at a minimum. However, depending on conditions in the market and the client's profile, Trafalgar will also occasionally take advantage of short-term trading opportunities. In doing so, Trafalgar is always mindful of the client's income tax obligations and will, in consultation with the client, strive to meet the client's tax goals.
• Our management fee will be billed to you on a quarterly basis. You will receive a billing statement showing the amount due and how it was calculated. The management fee may be paid by check or electronic funds transfer. Credit card payments, however, are not accepted.
• To help your Victory Account grow, you may add money at any time. Withdrawals or monthly distributions can be set up at no additional costs. (Exception: IRA accounts with special tax rules)

Trafalgar Investment Advisers LLC Management Fee.

If assets under management exceed $25,000 and are no more than $1,000,000, our management fee is 1.0 percent annually.

If assets under management exceed $1,000,000, our management fee is 0.8 percent annually.

Smaller accounts below $25,000 are assessed a fee of 2.0 percent annually.

The minimum annual fee is $250.

We do not have any additional entry or exit fees (loads) penalties, or service charges.

Our fee is billed to the client quarterly at one-quarter of the annual amount.

How our fee is calculated

Immediately following the end of the quarter, Trafalgar Investment Advisers LLC sends a quarterly statement to the client updating the status of the client's investments along with an invoice for the quarterly fee. Depending on the client's preference, these documents will be sent by U.S. mail or by e-mail.

• First Quarter: January-February-March
• Second Quarter: April-May-June
• Third Quarter: July-August-September
• Fourth Quarter: October-November-December

The fee extracted for each quarter, will be assessed by the amount of assets under management on the closing of the last day of the preceding quarter. Accounts opening during the quarter will have their fee prorated.

(Example: $100,000 under management on March 31, Second Quarter fee assessed at 1.0 percent fee/year: $1,000 divided into 4 quarterly billing periods, at .25%, quarterly fee would be $250.00.)

A trading fee is charged to your account and paid to the custodian when a buy or sell occurs within your account (the trading fee for accounts opened at Fidelity is $8.00). Trafalgar Investment Advisers LLC does not receive any part of the trading fee. Every time a trade is made within your account you'll also receive written notification by mail arriving within three business days. Fidelity and other custodians also offer online account access, in which case this service will generally be provided to you immediately. Online access also allows you to view your account history or performance at any time.