Financial Designs Corporation

Financial Designs Corporation is a registered investment adviser based in Claremont, California, offering portfolio management services through the Financial Designs Wrap Fee Program. Established as a corporation under California law, the firm is owned by FDC Holdings Corporation, with the 2008 Pavan Family Trust as the sole shareholder. The Program provides asset management and brokerage services for an all-inclusive fee, tailored to clients' risk tolerance and investment goals. Clients grant discretionary authority to the firm for managing their accounts, allowing for investment decisions without prior consent. Accounts are held at Charles Schwab & Co., Inc., the custodian, with fees based on a tiered schedule. The firm emphasizes long-term investments but may engage in short-term trading strategies. Clients are advised on mutual funds and ETFs primarily, with a focus on risk management and tax considerations. Financial Designs Corporation prioritizes client privacy and maintains a Code of Ethics to ensure integrity and fair dealing. The firm discloses potential conflicts of interest, such as compensation from Schwab and insurance product sales, and provides transparency on its cybersecurity measures and trade error policies. Clients are encouraged to consult tax professionals and review all disclosures before making investment decisions.