Financial Resources

Water Valley Investment Advisors, Inc. (WVIA) is a firm that specializes in providing custom-tailored investment management service. It is led by talented people who have known each other for years and share a passion for helping individuals manage their money.

WVIA distinguishes itself by its independent, personalized, professional service and its performance reporting. The portfolio managers at WVIA are not compensated by trading volume, nor does the firm sell securities. Reports provided by WVIA provide in-depth information on portfolio performance, not simply the transactional data provided by brokers.

Clients come to WVIA because of its experienced principals and advisors, the quality and strength of its service, and its investment philosophy.

Water Valley Investment Advisors, Inc. has selected Charles Schwab & Co., Inc. as primary custodian for our clients’ accounts.

The measures we take to protect client assets

Schwab is committed to staying financially strong, and we have confidence in our ongoing financial health. We run our business with a sound capital structure and position our company for long-term strength and stability. We take appropriate actions to help give our clients peace of mind about the security of their accounts.

Keeping client securities separate from broker-dealer securities

Client securities — such as stocks and bonds that are fully paid for or excess margin securities — are segregated from broker-dealer securities, in compliance with the SEC’s Customer Protection Rule. This is a legal requirement for all broker-dealers.

In the unlikely event of insolvency of a broker-dealer, these segregated assets are not available to general creditors and are protected against creditors’ claims. Rigorous reporting and auditing requirements have been put in place by government regulators to help ensure all broker-dealers comply with this rule.

Water Valley Investment Advisors, Inc. has selected Charles Schwab & Co., Inc. as primary custodian for our clients’ accounts. These materials have been independently produced by Water Valley Investment Advisors, Inc.

Water Valley Investment Advisors, Inc. is independent of, and has no affiliation with, Charles Schwab & Co., Inc. or any of its affiliates (“Schwab”). Schwab is a registered broker-dealer and member SIPC. Schwab has not created, supplied, licensed, endorsed, or otherwise sanctioned these materials nor has Schwab independently verified any of the information in them.

Water Valley Investment Advisors, Inc. provides you with investment advice, while Schwab maintains custody of your assets in a brokerage account and will effect transactions for your account on our instruction.

WVIA principals custom-tailor portfolios to meet the unique personal and financial objectives of individual clients. Equity portfolios are built around high quality companies with superior management, proprietary products or services and growing income or cash flow. Fixed income portfolios are composed of investment-grade bonds that satisfy cash flow needs and maximize total returns.

The firm is a Registered Investment Advisor with the states of Illinois and Iowa.

WVIA currently has a $200,000 minimum account size. Special situations will be considered.

No. A third-party brokerage firm will hold all securities.

You will receive accurate portfolio performance reports from WVIA on a quarterly basis. The typical custodian will provide transaction and valuation reports to you on a monthly basis. WVIA will provide quarterly reports showing the total return for the quarter and year-to-date, unrealized and realized gains and losses, current valuation, and projected income from dividends and interest. WVIA will also provide annual reports showing capital gains and losses and dividend and interest income.