Trilogy Financial Review
Trilogy Financial is a financial advisor firm based in Huntington Beach, California that manages nearly $1.2 billion in client assets. Close to 100 advisors oversee this pool of investable assets. The firm works with a range of individuals and institutions and has been serving clients for more than 20 years. The firm offers a strong selection of proprietary investment management and financial planning services and programs.
While this firm’s headquarters are in Huntington Beach, it also has locations in Arizona, Colorado and Massachusetts. Trilogy is a fee-based firm, as some of its advisors can earn commissions from the sale of specific insurance or securities products. This is different from a fee-only firm, which only receives compensation from client-paid fees.
Trilogy Financial Background
Jeff Motske founded Trilogy Financial in 2015, and he still acts as the firm’s principal owner to this day. Motske has 27 years of experience in the financial services industry. He also runs his own radio show called the Jeff Motske Show™, and has appeared on various TV and news programs.
The firm employs 98 advisors across 10 locations. This group includes eight certified financial planners (CFPs), four accredited investment fiduciaries (AIFs) and one chartered life underwriter (CLU).
Trilogy Financial Client Types and Minimum Account Sizes
More than 13,000 clients work with Trilogy Financial. All but around 160 of these clients are individuals below the high-net-worth threshold. The remainder of this client base consists of high-net-worth individuals, pension plans, charitable organizations and corporations.
The firm typically requires at least $5,500 in investable assets in order to become a client. Under certain circumstances, the firm may decide to waive this minimum requirement.
Services Offered by Trilogy Financial
Investment management is the flagship offering at Trilogy Financial, and it’s offered on either a discretionary or non-discretionary basis. These services can include analysis of current investments, asset allocation planning, quarterly reporting and regular monitoring and rebalances. Additionally, the firm will customize portfolios according to your personal risk tolerance, financial goals, time horizon and other applicable factors.
This firm offers financial planning services through two branded programs: DecisionCoach and DecisionCenter Plan. Both programs provide various types of financial planning, but the latter is more comprehensive. Financial planning services include retirement planning, education fund planning, tax planning, budgeting and more. If clients have limited or one-off consulting issues that come up, the firm can also address those.
Trilogy can also provide services for retirement plans.
Trilogy Financial Investment Philosophy
Trilogy Financial tailors its investment approach to each client, seeking to assemble an investment portfolio that's optimized to meet the client's goals while aligning with their tolerance for risk. Across all portfolios, though, the firm strives to meet its five investing tenets:
- Diversify using non-correlated assets
- Balance portfolios between growth securities and value securities
- Diversify globally
- Adjust to changing markets by rebalancing periodically
- Seek out tax-efficient returns where possible
Trilogy will invest in whatever securities meet your needs and fits these investing tenets. However, the firm does have some preferred securities: stocks, bonds, fixed-income securities, mutual funds and exchange-traded funds (ETFs).
Fees Under Trilogy Financial
Trilogy Financial typically charges investment management fees as a percentage of each client's assets under management (AUM). The exact rate you'll pay will depend on the size of your account, the complexity of your portfolio and other factors. However, you definitively won’t pay more than 2.25% annually. These fees are charged on a monthly basis, in arrears.
Trilogy's DecisionCoach program comes with three separate fee arrangements:
- The first is available on plans that are $1,200 or cheaper, and it involves a one-time fee payment.
- The second option splits your fee in half over six-month intervals, with 50% due initially and the other 50% due six months later. This is only available on plans that cost no more than $2,400.
- The final payment option requires 25% of your fixed fee be paid each quarter.
The DecisionCenter Plan program's fee schedule is much more straightforward. For fixed fee agreements, rates range from $2,000 to $30,000. For hourly fee arrangements, rates can get as high as $500 an hour.
For limited financial planning or consulting services, the firm will negotiate a fee based on how complex your finances are and the extent of the services you need.
What to Watch Out For
This fee-based firm employs advisors that have the ability to receive commissions when they sell specific insurance products or investments. While this represents a potential conflict of interest, the firm is bound by fiduciary duty to act in clients' best interests at all times.
Opening an Account With Trilogy Financial
If you’re looking to get in touch with someone at Trilogy Financial, you can give the firm a call at (844) 356-4934 or send an email to firstname.lastname@example.org. You can also visit the firm’s website and fill out the contact form with your name, email, phone number and a message.
Tips for Finding a Financial Advisor
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