Garlikov Advisors manages investment portfolios and provides personalized investment strategies for individuals, trusts, and businesses. A major focus of Garlikov Advisors is managing assets held inside variable universal life insurance contracts, aiming to protect cash values during market downturns and grow them during favorable periods. Clients can choose to follow Garlikov Advisors' proprietary conservative growth and capital preservation model or work with the firm to build a customized portfolio using exchange-traded funds and index mutual funds. The firm also offers fixed income management and charitable asset management services. Garlikov Advisors operates with the authority to make trades without asking first on most accounts, following a disciplined review process that includes monthly committee meetings and quarterly portfolio updates.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $50K | 1.00% |
| $50K - $1.0M | 1.00% |
| $1.0M - $2.0M | 1.00% |
| $2.0M - $3.0M | 1.00% |
| $3.0M - $10.0M | 1.00% |
| $10M+ | 1.00% |
Fees for portfolios over $1M are blended across tiers (e.g., 1% on first $1M, 0.5% on next $1M, etc.). Fixed income only accounts are charged 0.25% annually with a $500 minimum fee. Fees for accounts over $10M are mutually agreed upon.