Michael Johnson
Saratoga Springs, Utah, 84045
Member Since 2010
Pillar’s philosophy or “discipline”:
1) Capital Markets allocate better than managers. While the pricing mechanism is not perfect – it\'s closer to perfect than any manager will consistently be.
2) Asset Allocation explains returns: Your returns as an investor are the result of the asset classes you own.
3) Returns are correlated to risk: No two investors are alike. Factors which can reduce risk are diversification and targeted asset class exposure.
4) Eliminate/reduce costs which do not translate into value.
Pillar\'s primary role is to match your unique circumstances to a portfolio of assets which is most appropriate
My Location
Background Information
Years of Financial Experience
- 16
Education
- Brigham Young University (BS - Accounting)
- Brigham Young - Marriott School (MBA)
Methods of Compensation
- Financial Planning: Asset-based fee
- Investment Services: Asset-based fee
Full Disclosure
- I practice full disclosure for credentials, ethics, business practices, compensation, potential conflicts of interests, and financial services.
Primary Custodian(s)
- TD Ameritrade
- Vanguard
Types of Financial Reports
- Performance Report (Quarterly)
- Custodial Report (Monthly)
- Other
Additional Business Practices
- I provide a written agreement to clients before I provide any advice or services.
- I work with remote clients over the telephone and Internet
- My clients have online access to their financial data
- I review my clients' financial plans with them annually and upon request
- I review my clients' investment portfolios with them quarterly
Registration & Licensing
- CRD/IARD Number: 153191
- Securities Registrations: Series 65, Series 63, Series 6
- Insurance Licenses: None
Company Names
- Registered Investment Advisor: Pillar Capital
- Broker/Dealer: None
Fiduciary Status
- Acknowledged Fiduciary in advisory relationships
Compliance Record
- No Disclosures
Criminal Record
- No Disclosures
Planning Services
- Financial Planning, Retirement, College Funding
Investment Services
- Strategy Development, Written investment policy, Asset allocation, Performance Reporting, Tax Efficient Strategies
Investment Products
- Mutual Funds, Fixed Income
Visit Website - http://www.pillarindex.com
