75 Harbert Road
Frequently Asked Questions
How does Carillon Advisors assist me in reaching my financial goals?
We utilize a three-step process to develop a comprehensive financial plan that aligns with your financial goals and values.
Step one is to understand what money means to you and how it fits into your financial life — organizing your finances in a way to provide a clear picture of your current position.
Step two, we discuss your financial goals and establish your long, medium, and short-term goals. We focus on your dream objectives and then work together to clarify your goals.
Step three, we create a plan with actionable steps to get you on the path of achieving financial independence.
Upon creation of your financial plan, we will help you to complete the actionable steps and begin to check in regularly. The financial plan is a living, breathing document and will need your regular attention. The good news is we will be there to help through every step along the journey.
How is Carillon Advisors compensated?
We utilize a fee-based model to receive compensation. The fee-based model includes assets under management fees, flat-rate costs, and commissions. The reason is to provide our clients with the most cost-efficient form of financial advising and provide more value.
We believe the correct way to provide financial services is to utilize a fee-based model and fully disclose our compensation. No form of payment is free of conflicts of interest, and some models are being used as a marketing gimmick, so we focus on providing the best value and reducing cost.
If you accept commissions, will Carillon Advisors provide an itemized list of the amount of compensation earned from different products recommended (including trails)?
Absolutely. We will disclose any fees associated with your account.
Does Carillon Advisors accept or pay any referral fees?
No. We do not accept or pay any referral fees.
Is Carillon Advisors held to a fiduciary standard of care at all times?
Yes. We are legally, ethically, and morally required to act in YOUR best interests at all times. We are committed to putting our client’s best interests first, regardless of legal obligations.
Will Carillon Advisors sign a fiduciary oath to put my interests first at all times?
Yes. Carillon Advisors has adopted the CFP® Board Code of Ethics and Standards of Conduct. We are happy to provide a signed copy upon request.
What are the professional credentials and experience of Carillon Advisors?
William W. LeBoeuf, CPFA®
Bachelor’s of Science in Business Administration majoring in Finance from the University of Arizona
25 years of Financial Industry Experience
Certified Plan Fiduciary Advisor™
David A. Wiedmeyer, Jr. CRPC®, CPFA®
Bachelor’s of Science in Finance from Miami University
Three years of Financial Industry Experience
Chartered Retirement Planning Counselor™
Has Carillon Advisors or any employees of Carillon Advisors ever been disciplined by SEC or FINRA?
No advisor or employee of Carillon Advisors has ever been disciplined by the Securities and Exchange Commission (SEC) or the Financial Industry Regulatory Authority (FINRA). Carillon Advisors takes these regulations very seriously and will not accept an advisor with discipline issues.
Do Carillon Advisors provide comprehensive financial planning? Or is only investment management offered?
Carillon Advisors provides both comprehensive financial planning and investment management services.
What is Carillon Advisors investment philosophy or style?
The Carillon Advisors Investment Philosophy incorporates behavioral finance research and experience in providing long-term wealth accumulation strategies to clients.
Our research has led to our belief wealth accumulation over the long-term is achieved following three tenets:
1. The decision-making process of deploying capital must be free of emotions.
2. A majority exposure to U.S. Equities has provided investment returns that both meet and exceed the erosion of purchasing power (inflation) historically and should be a basis for any portfolio.
3. Cash and fixed income are tactical portfolio contributors of liquidity for up to four years of the investment horizon.
Based on these underlying tenets Carillon Advisors (CA) deploys equity capital through the use of direct investment in high quality, dividend-paying U.S. equities (substituting ETFs, Mutual Funds, or UITs where appropriate for ample diversification) as a core position to gain the beta of the market exposure, while limiting expenses for clients to that asset class. Also, CA will utilize a sector and regional allocation strategy to gain access to perceived undervalued U.S. and international assets in seeking to add alpha. In so doing, we also may invest directly into corporate equities, or through ETFs, Mutual Funds or UITs. We aim to outperform the Consumer Price Index by 5 % over a minimum five-year holding period.
To gain stability through non-correlated assets, CA will utilize money market holdings, short term taxable, and non-taxable bonds, bond funds or UITs to achieve reasonable yields and preserve near-term purchasing stability.
CA uses S&P Global research, Morningstar Research, and CFRA to seek, analyze and understand valuations, and cost of ownership, when deploying capital in advisor discretion accounts.
Before investing in ETFs and mutual funds, investors should carefully consider a fund’s investment objectives, risks, charges and expenses. Fund prospectuses contain this and other information and may be obtained by asking your financial advisor. Read prospectuses carefully before investing.
Where are my assets held?
Client assets are held by Pershing LLC. Pershing LLC is a subsidiary of The Bank of New York Mellon Corporation, the nation’s oldest continuously operating bank, and one of the world’s leading providers of securities services. Pershing custodies brokerage accounts for Cetera Advisor Networks, including brokerage accounts with IRAs, and provides related administrative services, including settlement of purchases, tax and account record keeping, monthly statements, confidentiality, and data integration.