Lubbock Financial Services, Inc.

High Plains Investment Advisors, Inc. is a registered investment advisor founded in 1998 by Timothy D. Mack and Brad Pruitt. The firm specializes in managing investment portfolios for individuals, high net worth individuals, businesses, trusts, foundations, and charitable institutions. Their investment approach is based on economic theory and empirical research, utilizing institutional mutual funds, index mutual funds, and exchange-traded funds. They provide tailored investment advice for various types of investments and offer financial planning services such as retirement planning, tax mitigation, and estate planning. High Plains Investment Advisors acts as a fiduciary for retirement accounts, ensuring they act in the client's best interest. The firm charges fees based on a percentage of assets under management, with fees negotiable and collected quarterly. They do not charge performance-based fees. Clients have investment discretion but can impose restrictions on certain securities. The firm does not provide compensation for client referrals and does not have custody of client funds. Clients receive regular reports and account reviews, and the firm's employees follow a strict Code of Ethics. High Plains Investment Advisors primarily uses Charles Schwab & Co. for custodial and brokerage services.