It’s time to make a choice. Plan for your future.
It’s as simple as making a phone call, and sitting down with a Investment Advisory Representative.
I offer a plethora of financial services – including hedge funds, mutual funds, estate planning, and insurance advice.
Why Should I Trust IAR?
Investment Advisory Representatives are not here to sell, but to guide.
Investment Advisory Representatives are not tied to any specific family of funds or investment products.
Investment Advisory Representatives are here to serve your interests – no one else’s.
We Will…
Identify your needs.
Get detailed information about you, in order to better offer you advice.
Determine what your objectives are.
Evaluate your current financial state.
- Assets versus Liabilities.
- Cash inflow versus Outflows.
- Your Needs versus Your Wants.
Determine a financial plan that is tailored to you.
An ongoing review of performance.
Implement a financial plan.
Wealth Management
Tax Advisors
Insurance Services
Weekly Market Commentary
Weekly Market Commentary
U.S. stocks climbed through Wednesday, then gave it all back. The S&P 500 slipped 0.6% and the Nasdaq fell 2.0%, each for a third straight weekly decline, and the Dow lost 0.9%. Small caps held up, with the Russell 2000 up 1.3%. The turn came after Alphabet and...
Weekly Market Commentary
It was another volatile week on Wall Street, with US indices ending the week with mixed results. Ongoing concerns about AI financing and its return on investment continued after Meta announced its 3rd-quarter results. The company beat estimates and offered solid...
Weekly Market Commentary
It was a chaotic week on Wall Street as investors tried to interpret mixed Q3 financial results, a spike in oil prices, sharp swings in yields across the curve, hotter-than-expected inflation data, dovish tones from central bankers, and renewed concerns about the AI...
IRA Blog
What Is the Deadline for Taking an IRA Owner’s Year-of-Death RMD Without Penalty?: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst QUESTION: My dad died in December 2025, at age 95. I am the sole beneficiary of his traditional IRA. I just discovered that he never took his required minimum distribution (RMD) for 2025. Will his estate be subject to a penalty? ANSWER:...
Spouse Beneficiary RMDs: Calculation Basics
By Andy Ives, CFP®, AIF® IRA Analyst In the October 26 Slott Report entry (“Beneficiary RMDs: Calculation Basics”), we discussed the required minimum distribution (RMD) calculation rules for non-spouse IRA beneficiaries. Spouses, on the other hand, are a special type...
IRS Establishes New Correction Program for Fixing IRA Errors
By Ian Berger, JD IRA Analyst A recently announced IRS program gives you new ways to fix certain IRA errors. Unfortunately, it won’t be as helpful as it seems. In the 2022 SECURE 2.0 legislation, Congress gave the IRS two years – until December 29, 2024 – to come up...
Market Review and Outlook
What will an ordinary Tuesday cost in retirement?
When people picture retirement, they tend to picture the good stuff. A trip they’ve been putting off. More time with the grandkids. A weekday tee time. But an ordinary Tuesday might tell you more about the retirement you’re planning for. Where will you wake up? How...
What Is the Deadline for Taking an IRA Owner’s Year-of-Death RMD Without Penalty?: Today’s Slott Report Mailbag
By Ian Berger, JD IRA Analyst QUESTION: My dad died in December 2025, at age 95. I am the sole beneficiary of his traditional IRA. I just discovered that he never took his required minimum distribution (RMD) for 2025. Will his estate be subject to a penalty? ANSWER:...
Spouse Beneficiary RMDs: Calculation Basics
By Andy Ives, CFP®, AIF® IRA Analyst In the October 26 Slott Report entry (“Beneficiary RMDs: Calculation Basics”), we discussed the required minimum distribution (RMD) calculation rules for non-spouse IRA beneficiaries. Spouses, on the other hand, are a special type...
A Legal Fiduciary Responsibility
As a Investment Advisory Representative, I have a legal, fiduciary responsibility to always work in your (my client’s) best interest. I offer a complete range of investment services, from managing money in the market to safe money products. What every client needs is different, and I’m here to help you plan for your future and your children’s future. I act in your best interest every time, all of the time.
Alan Mott is a fiduciary financial advisor. A fiduciary financial advisor is held to the highest legal and ethical duty to represent his clients’ best interests regarding their total asset portfolio management. As a result of this licensing, we are happy to announce that we now offer our clients Assets Under Management opportunities through our partnership with Advisory services offered through J.W. Cole Advisors, Inc. (JWCA). Mott Investment Services, LLC and JWC/JWCA are unaffiliated entities., an SEC Investment Advisory Representative that specializes in building actively managed investment portfolios based on your goals and objectives.
FIA uses asset classes with low internal fees, like ETF’s, Index funds and no load mutual funds. By attempting to limit the downside through risk management and the ability to move to cash quickly, FIA strives to achieve consistent growth of your money for years to come.
If you have market based investments and are not happy with your performance, or you feel you are paying too much in fees I have announcement just for you; I am happy to announce my partnership with Advisory services offered through J.W. Cole Advisors, Inc. (JWCA). Mott Investment Services, LLC and JWC/JWCA are unaffiliated entities., a SEC Investment Advisory Representative that specializes in building actively managed investment portfolios based on your goals and objectives.
FIA uses asset classes with low internal fees, like ETF’s, Index funds and no load mutual funds. By attempting to limit the downside through risk management and the ability to move to cash quickly, FIA strives to achieve consistent growth of your money for years to come.
As a fiduciary, we are not paid commissions. Rather we are incentivized to grow your portfolio. The more you grow, the more we grow.
The last decade has shown us that the traditional buy and hold strategy of investing may not be the most efficient due to changing global valuations and extreme price movements. Instead of being constrained to a “fixed mix” of asset classes, FIA employs tactical asset allocation which allows the portfolio manager to change the mix of asset classes, find value across the entire global palette of asset classes and, if needed, move to cash.
In the past, I have helped your family with income planning or other insurance planning, I now look forward to discussing the rest of your financial picture and working with you on a comprehensive solution to help your reach your full financial potential. Please give me a call to schedule an appointment.
Our Services
We strive to provide access to services that are suitable to pursuing all of our clients’ financial needs. For services not listed below, we have also built trusted relationships with outside professionals that are experienced in assisting our clients.
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Advisory Services offered through J.W. Cole Advisors, Inc. (JWCA) Mott Tax Advisory Services/Mott Investment Services, LLC and JWCA are unaffiliated entities.
For a copy of JWCA’s Form CRS or JWCA’s disclosure Supplement, please click Here. By following the link, you consent to receipt of the Form CRS electronically.