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M Holdings Securities Review

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This review was produced by SmartAsset based on publicly available information. The named firm and its financial professionals have not reviewed, approved, or endorsed this review and are not responsible for its accuracy. Review content is produced by SmartAsset independently of any business relationships that might exist between SmartAsset and the named firm and its financial professionals, and firms and financial professionals having business relationships with SmartAsset receive no special treatment or consideration in SmartAsset’s reviews. This page contains links to SmartAsset’s financial advisor matching tool, which may or may not match you with the firm mentioned in this review or its financial professionals.

M Holdings Securities is a financial advisor firm with billions of dollars in assets under management (AUM) and a very large advisory staff. M Holdings Securities' home office is located in Portland, Oregon. Through a network of affiliated independent financial advisors, the firm offers services such as financial planning and portfolio managment, as well as annuity products.

Certain advisors who are affiliated with this firm can sell insurance or securities on a commission basis, in addition to charging client-paid fees. A fee-only firm, on the other hand, earns all of its compensation from client fees.

M Holdings Securities Background

M Holdings Securities is a wholly owned subsidiary of M Financial Holdings Incorporated (M Financial Group), which was founded in 1978. However, M Holdings Securities has been in business as an investment advisor since 2000. According to its website, it works with an exclusive network of hundreds of member firms. Westley V. Thompson serves as M Holdings' president and CEO.

M Holdings Securities Client Types and Minimum Account Sizes

M Holdings Securities advises many types of clients, including:

Minimum account sizes at M Holdings Securities vary based on account type.

Services Offered by M Holdings Securities

Offerings from M Holdings Securities include investment management, third-party asset management services, retirement consulting services, financial planning and solicitor services. Assets under the firm's management are managed on a solely discretionary basis, which means clients give the firm the right to make investment decisions on their own.

The firm also offers a number of wrap fee programs that are sponsored by M Securities or its sub-advisors.  

M Holdings Securities Investing Philosophy

IARs at M Securities may use many different methods of analysis when they create investment advice or manage assets of clients, including but not limited to the following:

  • Charting: review of market activity charts in order to identify when and how the market is moving
  • Fundamental analysis: attempt to measure the intrinsic value of a security by looking at economic and financial factors
  • Technical analysis: analysis of how the market has performed historically
  • Cyclical analysis: measurement of the movements of a particular stock against the overall market
  • Quantitative analysis: use of mathematical models to review data, draw conclusions and make recommendations
  • Qualitative analysis: subjective evaluation of non-quantifiable factors (such as quality of management, labor relations or strength of research) in order to predict change to share price
  • Mutual fund and/or ETF analysis: review of experience and track record of the mutual fund or ETF manager in order to determine demonstrated ability to invest over time
  • Sub-advisor and third-party asset manager program (TPAM) analysis: evaluation of the experience, expertise and past performance of sub-advisors and third-party asset managers in order to determine demonstrated ability to invest over time

Furthermore, they may use one or more of the following strategies for managing assets: 

  • Asset allocation: focuses on combining multiple types of securities within a portfolio to achieve a specific risk/return level
  • Long-term purchases: buying and holding securities for at least a year
  • Short-term purchases: buying securities and selling them within a year
  • Short sales: securities transactions in which the investor sells in anticipation of a price decline
  • Margin transactions: securities transactions in which the investor borrows money to purchase a security, making the security collateral on the loan
  • Option purchases: uses both calls and puts

Fees Under M Holdings Securities

M Holdings Securities agrees with clients to charges advisory fees either in advance or in arrears. Clients authorize the custodian of their account to have fees debited from their assets. With regards to investment management account fees, M Holdings Securities charges rates as a percentage of assets under management (AUM). The client will negotiate a fee schedule for this service directly with the IAR.

For financial planning, fees are determined based on the complexity of services provided and are charged on either an hourly ($0 to $500 per hour) or fixed fee basis ($0 to 10,000).

For its wrap fee programs, clients may be charged various program fees in addition to the advisory fee charged by M Securities. In a wrap fee arrangement, clients pay a single fee for advisory, brokerage and custodial services.

What to Watch Out For

M Holdings Securities has four disclosures listed on its SEC-filed Form ADV. Three of these disclosures are attributed to advisory affiliates of the firm, whereas one regulatory disclosure belongs to the firm itself.

It is important to note that advisors at M Holdings Securities may also be broker-dealer representatives. Employees acting in these roles generally receive transaction-based fees, which can be a potential conflict of interest. That said, as an SEC-registered investment advisor, the firm is legally obligated to uphold its fiduciary duty and work in clients’ best interests at all times.

Opening an Account With M Holdings Securities

To open an account with M Holdings Securities, you can visit the firm's website or call (800) 656-6960.

All information is accurate as of the writing of this article.

Tips for Finding a Financial Advisor 

  • Finding a qualified financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
  • Ask candidates whether they adhere to the fiduciary standard of putting clients’ interests first. Yes is the ideal answer, of course. But they may follow a lower standard of providing only suitable recommendations.

How Long $1mm Lasts in Retirement

SmartAsset's interactive map highlights places where $1 million will last the longest in retirement. Zoom between states and the national map to see the top spots in each region. Also, scroll over any city to learn about the cost of living in retirement for that location.

Rank City Housing Expenses Food Expenses Healthcare Expenses Utilities Expenses Transportation Expenses

Methodology We analyzed data on average expenditures for seniors, cost of living and investment returns to determine how many years of retirement a $1 million nest egg would cover in cities across America.

First, we looked at data from the Bureau of Labor Statistics (BLS) on the average annual expenditures of seniors. We then applied cost of living data from the Council for Community and Economic Research to adjust those national average spending levels based on the costs of each expense category (housing, food, healthcare, utilities, transportation and other) in each city. Using this data, SmartAsset calculated the average cost of living for retirees in the largest U.S. cities.

We assumed the $1 million would grow at a real return (interest minus inflation) of 2%. Then, we divided $1 million by the sum of each of those annual numbers to determine how long $1 million would cover retirement expenses in each of the cities in our study. Cities where $1 million lasted the longest ranked the highest in the study.

Sources: Bureau of Labor Statistics (BLS), Council for Community and Economic Research