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planning or consulting around retirement, education, cash flow, risk management, wealth transfer, and investment analysis. ",[866],{"type":129,"attrs":867},{"color":773},{"type":820,"content":869},[870],{"type":18,"attrs":871,"content":872},{"textAlign":34},[873,879],{"text":874,"type":22,"marks":875},"Digital advisory option: ",[876,878],{"type":129,"attrs":877},{"color":773},{"type":38},{"text":880,"type":22,"marks":881},"PAS also offers VestWise, an automated or digital advisory program",[882],{"type":129,"attrs":883},{"color":773},{"type":18,"attrs":885,"content":886},{"textAlign":34},[887],{"text":888,"type":22,"marks":889},"The PAS approach is a mix of strategic asset allocation and tactical adjustments, with portfolios tailored to the client’s goals, risk tolerance, and financial circumstances. ",[890],{"type":129,"attrs":891},{"color":773},{"type":764,"attrs":893,"content":894},{"level":766,"textAlign":34},[895],{"text":896,"type":22,"marks":897},"What are the pros and cons of Park Avenue Securities?",[898,900],{"type":129,"attrs":899},{"color":773},{"type":38},{"type":18,"attrs":902,"content":903},{"textAlign":34},[904],{"text":905,"type":22,"marks":906},"PAS offers a wide range of services spanning investment management, financial planning, and retirement consulting. ",[907],{"type":129,"attrs":908},{"color":773},{"type":18,"attrs":910,"content":911},{"textAlign":34},[912],{"text":913,"type":22,"marks":914},"Here’s a summary of the key advantages and disadvantages to help decide if it’s the right firm for you. ",[915],{"type":129,"attrs":916},{"color":773},{"type":18,"attrs":918,"content":919},{"textAlign":34},[920],{"text":921,"type":22,"marks":922},"Pros of Park Avenue Securities:",[923,925],{"type":129,"attrs":924},{"color":773},{"type":38},{"type":817,"content":927},[928,944,960,976],{"type":820,"content":929},[930],{"type":18,"attrs":931,"content":932},{"textAlign":34},[933,939],{"text":934,"type":22,"marks":935},"Advisor-led discretionary management: 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plans.",[1156],{"type":129,"attrs":1157},{"color":773},{"type":817,"content":1159},[1160,1176,1192,1208,1224],{"type":820,"content":1161},[1162],{"type":18,"attrs":1163,"content":1164},{"textAlign":34},[1165,1171],{"text":1166,"type":22,"marks":1167},"Third-party investment advisory programs:",[1168,1170],{"type":129,"attrs":1169},{"color":773},{"type":38},{"text":1172,"type":22,"marks":1173}," IARs negotiate fees ranging from 0.50% to 1.75% of assets under management.",[1174],{"type":129,"attrs":1175},{"color":773},{"type":820,"content":1177},[1178],{"type":18,"attrs":1179,"content":1180},{"textAlign":34},[1181,1187],{"text":1182,"type":22,"marks":1183},"Retirement plan services: ",[1184,1186],{"type":129,"attrs":1185},{"color":773},{"type":38},{"text":1188,"type":22,"marks":1189},"Ranging from 0.10% to 1.00% of plan assets.",[1190],{"type":129,"attrs":1191},{"color":773},{"type":820,"content":1193},[1194],{"type":18,"attrs":1195,"content":1196},{"textAlign":34},[1197,1203],{"text":1198,"type":22,"marks":1199},"Financial planning and consulting fees:",[1200,1202],{"type":129,"attrs":1201},{"color":773},{"type":38},{"text":1204,"type":22,"marks":1205}," Hourly fees generally range from $100 to $500 per hour, and flat fees from $500 to $25,000 per engagement.",[1206],{"type":129,"attrs":1207},{"color":773},{"type":820,"content":1209},[1210],{"type":18,"attrs":1211,"content":1212},{"textAlign":34},[1213,1219],{"text":1214,"type":22,"marks":1215},"Platform fee:",[1216,1218],{"type":129,"attrs":1217},{"color":773},{"type":38},{"text":1220,"type":22,"marks":1221}," 0.05% to 0.30% annually",[1222],{"type":129,"attrs":1223},{"color":773},{"type":820,"content":1225},[1226],{"type":18,"attrs":1227,"content":1228},{"textAlign":34},[1229,1235],{"text":1230,"type":22,"marks":1231},"VestWise: 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investment/account requirement",{"type":18,"attrs":1289,"content":1290},{"textAlign":34},[1291],{"text":1292,"type":22},"Park Avenue Portfolio Select\t$10,000",{"type":18,"attrs":1294,"content":1295},{"textAlign":34},[1296],{"text":1297,"type":22},"Park Avenue Signature Portfolio\t$10,000",{"type":18,"attrs":1299,"content":1300},{"textAlign":34},[1301],{"text":1302,"type":22},"Foundations/Quantitative Innovations\t$10,000",{"type":18,"attrs":1304,"content":1305},{"textAlign":34},[1306],{"text":1307,"type":22},"Park Avenue Strategist Select Plus\tSubject to individual strategist minimums, with the lowest minimum at $10,000",{"type":18,"attrs":1309,"content":1310},{"textAlign":34},[1311],{"text":1312,"type":22},"Park Avenue Separately Managed Account Select (SMA Select)\tSubject to individual investment manager minimums",{"type":18,"attrs":1314,"content":1315},{"textAlign":34},[1316],{"text":1317,"type":22},"Park Avenue Unified Managed Account Select (UMA 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portfolios.",[1342],{"type":129,"attrs":1343},{"color":773},{"type":18,"attrs":1345,"content":1346},{"textAlign":34},[1347],{"text":1348,"type":22,"marks":1349},"Park Avenue Securities works well for:",[1350],{"type":129,"attrs":1351},{"color":773},{"type":817,"content":1353},[1354,1370,1386],{"type":820,"content":1355},[1356],{"type":18,"attrs":1357,"content":1358},{"textAlign":34},[1359,1365],{"text":1360,"type":22,"marks":1361},"Clients who want a personalized advisor relationship: ",[1362,1364],{"type":129,"attrs":1363},{"color":773},{"type":38},{"text":1366,"type":22,"marks":1367},"The service includes risk profiling, tailored portfolio design, reasonable restrictions, and at least annual reviews.",[1368],{"type":129,"attrs":1369},{"color":773},{"type":820,"content":1371},[1372],{"type":18,"attrs":1373,"content":1374},{"textAlign":34},[1375,1381],{"text":1376,"type":22,"marks":1377},"Investors who want broad portfolio flexibility: ",[1378,1380],{"type":129,"attrs":1379},{"color":773},{"type":38},{"text":1382,"type":22,"marks":1383},"Signature Portfolio can hold both funds and individual securities, which gives advisors room to customize.",[1384],{"type":129,"attrs":1385},{"color":773},{"type":820,"content":1387},[1388],{"type":18,"attrs":1389,"content":1390},{"textAlign":34},[1391,1397],{"text":1392,"type":22,"marks":1393},"Investors seeking full-service advisory relationships: ",[1394,1396],{"type":129,"attrs":1395},{"color":773},{"type":38},{"text":1398,"type":22,"marks":1399},"Clients who want a dedicated IAR to guide investment decisions and offer broader financial planning will find a structured service model here.",[1400],{"type":129,"attrs":1401},{"color":773},{"type":18,"attrs":1403,"content":1404},{"textAlign":34},[1405],{"text":1406,"type":22,"marks":1407},"Who might not benefit as much:",[1408],{"type":129,"attrs":1409},{"color":773},{"type":817,"content":1411},[1412,1428,1444],{"type":820,"content":1413},[1414],{"type":18,"attrs":1415,"content":1416},{"textAlign":34},[1417,1423],{"text":1418,"type":22,"marks":1419},"Fee-sensitive investors: ",[1420,1422],{"type":129,"attrs":1421},{"color":773},{"type":38},{"text":1424,"type":22,"marks":1425},"The fee ceiling is high for a mainstream managed account, and extra fund expenses still apply.",[1426],{"type":129,"attrs":1427},{"color":773},{"type":820,"content":1429},[1430],{"type":18,"attrs":1431,"content":1432},{"textAlign":34},[1433,1439],{"text":1434,"type":22,"marks":1435},"Smaller investors: ",[1436,1438],{"type":129,"attrs":1437},{"color":773},{"type":38},{"text":1440,"type":22,"marks":1441},"For example, Signature Portfolio requires $10,000 to start, and some other programs depend on minimums for strategists or investment managers, so the service is not especially friendly to investors starting with a small 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SEC.",[1475],{"type":129,"attrs":1476},{"color":773},{"type":18,"attrs":1478,"content":1479},{"textAlign":34},[1480],{"text":1481,"type":22,"marks":1482},"In advisory relationships, it owes clients a fiduciary duty. The firm is also a FINRA and SIPC member, while Signature Portfolio assets are custodied at Pershing, which sends account statements at least quarterly.",[1483],{"type":129,"attrs":1484},{"color":773},{"type":18,"attrs":1486,"content":1487},{"textAlign":34},[1488],{"text":1489,"type":22,"marks":1490},"The firm also uses security measures that comply with federal law, including computer safeguards and secured files and buildings to protect personal information from unauthorized access and use.",[1491],{"type":129,"attrs":1492},{"color":773},{"type":764,"attrs":1494,"content":1495},{"level":766,"textAlign":34},[1496],{"text":1497,"type":22,"marks":1498},"Park Avenue Securities: Customer service",[1499,1501],{"type":129,"attrs":1500},{"color":773},{"type":38},{"type":18,"attrs":1503,"content":1504},{"textAlign":34},[1505],{"text":1506,"type":22,"marks":1507},"This is an advisor-led service, so support is centered on your individual financial professional rather than only on a general help desk. ",[1508],{"type":129,"attrs":1509},{"color":773},{"type":18,"attrs":1511,"content":1512},{"textAlign":34},[1513],{"text":1514,"type":22,"marks":1515},"Clients can contact their advisor directly, request account restrictions, and receive at least annual review meetings. ",[1516],{"type":129,"attrs":1517},{"color":773},{"type":18,"attrs":1519,"content":1520},{"textAlign":34},[1521],{"text":1522,"type":22,"marks":1523},"The firm also provides a general contact form for account questions, website issues, general inquiries, and customer service, and it lists a New York office plus a toll-free phone number. It also promotes a client portal and a “find a financial professional” path for prospective clients. ",[1524],{"type":129,"attrs":1525},{"color":773},{"type":764,"attrs":1527,"content":1528},{"level":766,"textAlign":34},[1529],{"text":1530,"type":22,"marks":1531},"Park Avenue Securities: Mobile app",[1532,1534],{"type":129,"attrs":1533},{"color":773},{"type":38},{"type":18,"attrs":1536,"content":1537},{"textAlign":34},[1538],{"text":1539,"type":22,"marks":1540},"Park Avenue Securities does have a dedicated app called PAS NetXi. The app is mainly an account-access tool, with balances, holdings, activity, order status, and mobile access to investment information. ",[1541],{"type":129,"attrs":1542},{"color":773},{"type":18,"attrs":1544,"content":1545},{"textAlign":34},[1546],{"text":1547,"type":22,"marks":1548},"Users must already be PAS clients with website access, and PAS must activate the app for the account owner.",[1549],{"type":129,"attrs":1550},{"color":773},{"type":764,"attrs":1552,"content":1553},{"level":766,"textAlign":34},[1554],{"text":1555,"type":22,"marks":1556},"Is Park Avenue Securities worth it?",[1557,1559],{"type":129,"attrs":1558},{"color":773},{"type":38},{"type":18,"attrs":1561,"content":1562},{"textAlign":34},[1563],{"text":1564,"type":22,"marks":1565},"Park Avenue Securities offers a traditional advisor-led model that combines investment management, financial planning, and retirement guidance. Its strengths are ongoing human advice, advisory accounts that follow a fiduciary standard, and access to multiple program types.",[1566],{"type":129,"attrs":1567},{"color":773},{"type":18,"attrs":1569,"content":1570},{"textAlign":34},[1571],{"text":1572,"type":22,"marks":1573},"The trade-offs are cost and complexity. Fees can stack up across advisory, platform, manager, and fund expenses. ",[1574],{"type":129,"attrs":1575},{"color":773},{"type":18,"attrs":1577,"content":1578},{"textAlign":34},[1579],{"text":1580,"type":22,"marks":1581},"PAS may fit people who want an ongoing advisor relationship and a broad menu of options. Investors who prioritize lower costs or a simpler, more transparent setup may prefer other arrangements.",[1582],{"type":129,"attrs":1583},{"color":773},{"type":764,"attrs":1585,"content":1586},{"level":766,"textAlign":34},[1587],{"text":1588,"type":22,"marks":1589},"Get expert financial advice",[1590,1592],{"type":129,"attrs":1591},{"color":773},{"type":38},{"type":18,"attrs":1594,"content":1595},{"textAlign":34},[1596,1601,1611],{"text":1597,"type":22,"marks":1598},"If you're seeking professional financial advice, Unbiased can ",[1599],{"type":129,"attrs":1600},{"color":773},{"text":1602,"type":22,"marks":1603},"match you with a financial advisor",[1604,1607,1609],{"type":31,"attrs":1605},{"href":1606,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor/primary-areas",{"type":129,"attrs":1608},{"color":773},{"type":1610},"underline",{"text":1612,"type":22,"marks":1613}," who will help you manage your money and maximize your 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