Describe how you ensure that your clients understand your service offerings and fee structure.
Research offerings include 2 classes: (A) publicly available and (B) by subscription. (A) includes (A1) consolidated DIHC risk profile trends with a rating heat-map and exposures at risk from 2005 to present through http://www.systemicriskdashboard.com, (A2) RIA DIHC equity exposures, for latest quarter, at http://www.equitycontagionrisk.com and (A3) gross credit exposures for 100 large DIHCs, for latest quarter, at http://www.grosscreditexposurereport.com. (B) includes paid annual subscription to portfolio of 100 large DIHC Rating Reports. Each report covers the 20 latest financial quarters. Relevant statutes of limitations for potential litigation and liquidity risks are 6 and 10 years. Subscriptions, which can be used for all asset classes, are based on a % of a client's DIHC equity exposures as reported on their SEC Form 13F-HR. Transparency provided by the DIHC Rating Reports solves information asymmetries and potential fraud thus enabling clients to maximize gains and minimize losses. Notes: RIA means registered investment adviser with the U.S. Securities and Exchange Commission. DIHC means a depository institution holding company.