Helmsman Financial Group, LLC

Helmsman Financial Group, LLC is a Registered Investment Adviser established in 1998, offering portfolio management and financial planning services. The firm operates as a fiduciary for retirement accounts, ensuring clients' best interests are prioritized. Investment advice is tailored to individual client needs, following a structured process of portfolio model assignment, asset allocation, and investment selection. Services include Portfolio Analysis and Development, and Portfolio Investment Management on a discretionary and non‐discretionary basis. Clients can choose from four levels of service: Investment Assistance Program (IAP), Fund Investment Program (FIP), Portfolio Administrator Service (PAS), and Financial Stewardship Program (FSP). Fees are based on a percentage of assets under management, with minimum annual fees specified for each program. The firm's investment strategy focuses on value‐oriented, longer‐term investments with an emphasis on current income. Clients are advised on potential risks associated with market, currency, country, interest rate, credit, and income. Helmsman Financial Group, LLC reviews client accounts quarterly and provides written reports at least twice a year. The firm does not have performance‐based fees or side‐by‐side management programs. Clients are responsible for voting on securities, and the firm does not vote proxies on their behalf. Helmsman Financial Group, LLC does not have any disciplinary actions and receives compensation solely from clients, with no third‐party benefits, except for support services from Charles Schwab & Co., Inc., the recommended custodian.