Forward Investment Advisors, Inc.

Forward Investment Advisors, Inc., established in 1993, offers personalized investment management and financial planning services to individuals, trusts, and small businesses. The firm operates on a fee-only basis, refraining from commissions, annuities, or stocks that pay commissions. Clients receive tailored services, with the firm managing over $35 million in assets on a discretionary basis. Forward's fee structure is percentage-based, with fees prorated quarterly. The firm provides investment advice through strategic asset allocation, utilizing passively managed index funds and actively managed funds to diversify portfolios. Clients have full discretion over their accounts, with Forward not taking custody of assets. The firm conducts periodic reviews and provides regular reports to clients. Forward does not participate in performance-based fees and has no account minimums. Investment analysis methods include fundamental and technical analysis, with a focus on risk management to minimize potential losses. The firm's principals, Gregory E. Jones and Raymond F. Unger, ensure compliance with a Code of Ethics and maintain transparency in trading practices. Forward does not receive soft dollars and selects custodians based on integrity and service quality. Clients receive proxy voting services, and the firm discloses any conflicts of interest. Forward's financial condition is stable, with no financial impairments affecting client commitments. The firm's team includes experienced professionals dedicated to providing comprehensive financial services.