Harloff Capital Management is a registered investment advisory (R.I.A.) firm specialist in retirement portfolio management and we offer professionally managed mutual fund accounts including tax-deferred insurance annuities with no sales commissions. Other non-fiduciary advisors may charge undisclosed or hidden sales commissions and this could cause a conflict of interest between their interest to earn high commissions and your interests. In contrast, Harloff Capital Management is a fee-only fiduciary and we put your interests ahead of our interests. In our fee-only structure we do better when you prosper... Harloff Capital Management does not offer financial plans and is not a financial planner. We do not recommend the purchase of specific investment or insurance products and do not charge sales commissions like other advisors may. We are a fiduciary and put client interests ahead of our interests, unlike some other advisors. We manage client accounts at various national custodians..