Bonnie Luternow
Bonnie Luternow is a CFP-designated registered investment advisor at Spc, based in Clarkston, MI, with 23 years of industry experience. Bonnie operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Financial Planning & Coaching, Investment Management, Retirement Planning. Their firm serves 30,881 clients with $5.7B in assets under management.
Compensation
Firm Size
Number of Clients
Average Client Portfolio
Assets Under Management
Fee Structure
SPC offers investment management through the SIGMA Managed Account program. Clients pay an annual account management fee based on a percentage of their account assets. The fee includes a program fee and the IAR's compensation. For example, if your account AUM is $1,500,000, the first $500,000 is billed at 2.50%, the next $250,000 at 1.75%, the next $250,000 at 1.50%, and the remaining $500,000 at 1.25%. The maximum annual advisory fee is 2.5%. The program fee is 0.15% on all assets. There is a $30 minimum annual program fee.
SPC also offers direct-at-fund programs where clients pay an annual asset-based investment management fee of 0.5%.
Location
9716 Forest Rodge, Clarkston, MI, 48348
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Regulatory History (1)
Customer Dispute
January 2009Other Business ActivitiesSells Insurance
Bonnie is an insurance broker with various carriers. She also volunteers as a class secretary and admissions interviewer for Harvard College, a tax preparer for AARP, and an election inspector. Bonnie uses the DBA Independence Financial Advisors, LLC for marketing her financial practice.
Employment History
Current Registrations
Spc
Sigma Financial CorporationBroker
Previous Registrations
Lincoln Financial Advisors Corporation
Lincoln Financial Advisors CorporationBroker
The Lincoln National Life Insurance CompanyBroker
State Registrations2 states
You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.