Labrador Investments, LLC is an independent investment advisory firm that is dedicated to helping individual investors realize their financial dreams. We also manage pension plans for small businesses and not-for-profits, including defined benefit plans, defined contribution plans, 401(k) plans and 403(b) plans. We are located just north of Interstate 275 and the Sharonville Exit on US Route 42.

We follow the CFA Institute Code of Ethics and Standards of Professional Conduct that set a higher standard than the law requires. Ethical treatment of clients is a cornerstone of our philosophy. Protections of client assets is essential.

CLIENT BENEFITS

We offer a variety of packages to deliver investment and tax advice in a way that you desire, including:
-- Premier Service Package:
Labrador Investments manages and monitors your accounts each day and communicates with you periodically to assure that your investments are meeting your investment objectives and goals.
Click here for details about how this program works.

-- Single and Periodic Investment Reviews:
Labrador investments assists you in establishing your investment objectives and provides a detailed written report with recommendations and opinions on each of the investments held in your accounts.
Click here for details about how this program works.

Answers On Demand
If you have an investment question and require a specific answer, but are not ready to hire an investment advisor full time, this program is for you! Click here for details about how this program works.

HOW IS LABRADOR INVESTMENTS DIFFERENT FROM STOCKBROKERS?

• We have a fiduciary duty to act in the best
interests of our clients at all times. Brokerage firms generally are not fiduciaries to their customers and therefore do not make decisions that are solely in their customers’ best interests.
To learn more about this critical difference, click here
• We provide our clients with a Form ADV Part 2 that describes exactly how we do business. Brokerage firms are not required to provide customers with any comparable type of disclosure.
See our Form ADV Part 2 here
• We cannot trade against our clients' interests by buying and selling stocks or bonds out of our own accounts. Brokerage firms often earn significant undisclosed profits by trading as principal (buying or selling stocks or bonds for the brokerage firm's own account) with their customers.
• We charge clients a fee negotiated in advance and cannot earn any other profits from our clients without your prior consent. We are normally paid an asset-based fee, so our interests are aligned with yours. Brokerage firms’ revenues may increase even if the customer’s assets shrink, since they are often compensated based on trading activity, rather than investment results.
• We have one primary duty: to manage money in the best interests of our clients. We do not engage in other business activities like investment banking or underwriting, which brokerage firms do. These other businesses may cause a brokerage firm’s interest or attention to focus on other areas of the firm outside of their retail brokerage business and customers.

WHY WORK WITH LABRADOR INVESTMENTS

Labrador Investments is held to a higher standard than stockbrokers when it comes to putting your first and doing the right thing for your investments. As an Independent RIA we have a fiduciary duty to our clients which means that we must:
• Act in the best interests of their client
• Identify and monitor illiquid securities
• Employ fair market valuation procedures
• Observe procedures regarding the allocation of investment opportunities: including new issues and the aggregation of orders
• Monitor for best execution of trades
• Have policies regarding affiliated broker-dealers and maintenance
of brokerage accounts
• Disclose conflicts of interest
• Have policies on use of brokerage commissions for the use of research
• Have policies regarding directed brokerage, including step-out trades and payment for order flow
• Adopt and administer a code of ethics

Stockbrokers are held to suitability obligations on the part of their broker-dealer:
• Reasonable Basis Suitability – the broker-dealer must believe that the recommended security is suitable for any investor.
• Customer-Specific Suitability – the broker-dealer must believe that its recommendation is suitable for that particular investor, but only as of the date of the initial recommendation. There is no ongoing duty to assure that the investment continues to be in the client's best interests.