Click here for disclosures including ADV Parts 1 & 2

Performance data shown represents past performance and is no guarantee of future results.

There is no guarantee strategies will be successful.

Risks include loss of principal and fluctuating value. Investment value will fluctuate, and shares, when redeemed, may be worth more or less than original cost. Small and micro cap securities are subject to greater volatility than those in other asset categories. Value investing is subject to risk that may cause underperformance compared to other equity investment strategies. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks, including changes in credit quality, liquidity, prepayments, call risk, and other factors. Municipal securities are subject to the risks of adverse economic and regulatory changes in their issuing states.

My relationship with Dimensional Fund Advisors:  The law gives me the freedom to use or give opinion about any investment that may exist. From individual stocks/bonds to mutual funds to real estate, or diamond mines in South Africa, I am relatively unrestricted when it comes to what I may suggest a client puts in their portfolio.  Of the millions of things to invest in, I choose Dimensional.

In the universe of advisors, Dimensional has the right to choose which advisors and financial institutions they allow to buy and sell their funds and they are selective.  It’s a high honor to have access to Dimensional products.  I’m not aware of any channels you can buy Dimensional Funds through without an advisor or provider at some level.  Those of us who have been allowed access are few and far between but the numbers are growing. 

Dimensional is selective in this way for a few reasons which are beyond the scope of this disclosure.  I choose Dimensional for many reasons most of which are made evident in my communications on this website.  Dimensional provides a set of building blocks (mutual funds) that allow me to build portfolios giving me the most confidence that I’m providing the best value and experience for my clients.  That’s it.  I’m not paid anything by Dimensional.  There are no quota’s, sales competitions, sales performance metrics to meet, awards or prizes.  I do receive what’s considered ‘soft dollar compensation’.  Soft dollar comp. looks like educational conferences where I use my own money to travel to and stay at, presentation slides, graphics, videos, conversations and sometimes language I use to communicate our investment philosophy with and to educate the public.  I use Dimensional exclusively when building my portfolios except on client accounts that are held away on other platforms that do not allow access to Dimensional funds.  I can’t imagine using anything else in my portfolios.

The Robert Messner Group, LLC dba RMG Advisory Services (RMG) is a Registered Investment Adviser located in Michigan. RMG may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirement. RMG’s website is limited to the dissemination of general information pertaining to its Advisory, Management or Planning services, together with access to additional investment-related information, publications, and links. RMG does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to RMG·s website or incorporated herein, and takes no responsibility therefore. All such information is provided for convenience purposes only and all users thereof should be guided accordingly.

For information pertaining to the registration status of RMG, please contact the state securities regulators for those states in which RMG maintains a registration filing. A copy of the current written disclosure statement discussing RMG’s business operations, services, and fees is available at the SEC’s investment adviser public information website · http://www.adviserinfo.sec.gov.

Diversification and any other investing ideology neither assure a profit nor guarantee against loss in a declining market. Consider the investment objectives, risks, charges and expenses of any funds carefully before investing. The prospectus contains this and other information about the funds you may buy. To obtain a prospectus, additional information about any funds, or performance data current to the most recent month-end, please call RMG Advisory Services at 517-795-5571; Please read the prospectus carefully before investing. In performing portfolio services for client accounts, RMG Advisory Services may classify account assets into asset classes. In making this determination, RMG may rely on outside sources, such as standard industry codes and research furnished by independent service providers. RMG may also determine the asset classes of securities in its sole discretion. © 2024 RMG Advisory Services, All rights reserved.

INFORMATION PRESENTED IS FOR EDUCATIONAL PURPOSES ONLY AND DOES NOT INTEND TO MAKE AN OFFER OR SOLICITATION FOR THE SALE OR PURCHASE OF ANY SPECIFIC SECURITIES, INVESTMENTS, OR INVESTMENT STRATEGIES. INVESTMENTS INVOLVE RISK AND UNLESS OTHERWISE STATED, ARE NOT GUARANTEED. BE SURE TO FIRST CONSULT PERSONALLY WITH A QUALIFIED REGISTERED INVESTMENT ADVISER AND/OR TAX/LEGAL PROFESSIONAL BEFORE IMPLEMENTING ANY STRATEGY DISCUSSED HEREIN. FINANCIAL ADVICE/COUNSEL IS PROVIDED UNDER WRITTEN CLIENT AGREEMENT ONLY.

Privacy Policy

RMG Advisory Services (RMG) considers the confidentiality of customer information a top priority. In accordance with the Gramm Leach-Bliley Act and SEC Regulation S-P, Privacy of Consumer Financial Information, RMG has adopted this privacy policy to address safeguards for the protection of your records and information. We want you to know how we use and protect personal information we obtain from you or other sources in the course of providing you with investment products and services.

What Information We May Collect

We collect information needed, including what is required by law and regulation, for our everyday business purposes so that we can provide services to you, such as process your transactions, maintain your account(s) or respond to court orders or legal investigations. Most if not all the personal information we have about you comes directly from you, on applications, forms and other information you provide, whether in writing, in person, by telephone, through your Advisor, electronically or by other means. Such information includes your name, address, financial information, occupation, address of employer, birth date, social security number, e-mail address, phone number, etc. We also maintain records of your account history. We may collect personal information from outside sources, including credit reporting agencies, and CRD (Central Registration Depository) if you are or were associated with the securities industry.

Protecting Your Information

I maintain both physical and electronic safeguards in accordance with federal law and regulatory standards. Employee access to customer information is restricted to those who have a need to know in order to provide you with our services or to comply with laws and regulations. Employees who have access to individual information receive training required to follow company procedures designed to keep that information confidential. I destroy documents that may contain customer information before discarding them. When you are no longer my customer, I continue to safeguard and share your information as described in this notice.

Disclosure of Nonpublic Personal Information

RMG DOES NOT SELL OR SHARE CUSTOMER INFORMATION WITH ANY AFFILIATES OR NON-AFFILIATES FOR THE PURPOSES OF MARKETING OR JOINTLY MARKETING PRODUCTS OR SERVICES TO YOU. WE WILL ONLY SHARE CUSTOMER INFORMATION WITH OTHERS AS STATED IN THIS POLICY, UNLESS WE PROVIDE YOU WITH ADDITIONAL NOTICE OR ASK FOR YOUR PERMISSION, AS REQUIRED BY LAW OR RULE. We may share Customer Information with unaffiliated third parties who perform services for RMG or in connection with servicing the accounts and products that you have with us. These parties include your Advisor, other financial service providers, clearing firms, such as Pershing LLC, attorneys, accountants, auditors, administrators, insurance companies, payment processing companies, and data processing companies, who assist us in a number of ways in servicing accounts, for example, in fulfilling service requests, processing transactions, producing or providing reports, statements or other communications for you or your Advisor. We may disclose Customer Information we maintain about you to credit bureaus, regulatory agencies and similar organizations when required or permitted by law. Such shared information may include a disclosure in connection with a subpoena or similar legal process, an investigation, an audit, or examination or requirement under the USA PATRIOT Act. In addition, we may exchange information with reference sources and clearinghouse services for purposes of credit reporting and verification, but we do not share information with affiliates or non-affiliates about your creditworthiness. Protecting your privacy is an ongoing concern. We evaluate security standards and procedures in order to protect your information with the best available means. Please notify us if it ever appears that our records contain incomplete or inaccurate information about you. We will promptly investigate your concerns and make any necessary corrections. RMG will provide customers an initial notice of its privacy policy at the time of opening an account, and thereafter it will provide annual privacy updates. RMG reserves the right to make changes to this policy. The statement of this Privacy Policy including updates is available at our home office, on our company website at http://www.rmgadvisor.com, and wherever such documents are required. The Compliance Officer is responsible for implementing and monitoring this policy.

Fiduciary Duty

Fiduciary duty is a legal obligation that requires financial professionals to act in the best interests of their clients. At my RIA firm, I take this obligation seriously and am committed to upholding the highest standards of ethical conduct in all of my dealings with clients.

As your financial professional, I have a duty to provide you with advice that is in your best interests, rather than advice that benefits me or my firm. I am also required to disclose any conflicts of interest that may influence my recommendations to you.

**This is my disclosure of known potential conflicts:  Robert Messner holds a state insurance license to transact life insurance product sales with clients.  As a result of a transaction that may occur upon client request, the issuing insurance company will likely pay Robert Messner a commission, often times equal to the first year annual premium required by the policy.  It’s also possible that the issuing insurance company may pay a smaller ongoing commission (trail) to Robert Messner for a period of years after policy year 1.  All all issuers have their own formulas for determining commissions paid.  Clients are counseled on the benefits and drawbacks of life insurance as an often crucial component of a financial, estate or a succession plan.  That lucrative commissions could be paid to selling agents is indeed a potential conflict of interest but when disclosed, that transparency provides clients with with useful information with which to make a buying decision.**

In addition, we are required to maintain the confidentiality of your financial information and to protect the assets you entrust to us. We take these responsibilities very seriously and strive to uphold the trust you have placed in us.

If you have any questions about fiduciary duty or how we are meeting our obligations to you, please don’t hesitate to ask. We are committed to transparency and open communication with our clients, and we are always here to help.

REG BI

Regulation Best Interest, or Reg BI, is a new set of rules put in place by the Securities and Exchange Commission (SEC) to help protect investors and ensure that financial professionals act in their best interests when providing investment advice.

At our RMG Advisory Services, we are committed to meeting the requirements of Reg BI and to upholding the highest standards of ethical conduct when working with our clients. This means that we are required to:

• Put the interests of our clients first when making recommendations about securities or any other financial product or strategies.
• Disclose any conflicts of interest that may affect our recommendations.
• Exercise reasonable diligence, care, and skill when making recommendations to our clients.
• Provide our clients with a written disclosure outlining the key terms and conditions of any recommendations we make.

If you have any questions about Reg BI or how it applies to our relationship with you, please don’t hesitate to ask. We are committed to providing our clients with clear, transparent, and helpful information about all aspects of our services.

Messaging Terms & Conditions

Robert A Messner | RMG Advisory Services | 5919 Maple Dale Rd Jackson MI US 49201-9726

General

When you opt-in to the service, we will send you a message to confirm your signup.

By opting into messages, you agree to receive recurring automated marketing and informational text messages from RMG Advisory Services for Robert A Messner.  We use the information you provide us to educate you and provide you with services that you want to know more about.  We don’t share your information with anybody else.   Automated messages may be sent using an automatic telephone dialing system to the mobile telephone number you provided when signing up or any other number that you designate.

Message frequency varies, and additional mobile messages may be sent periodically based on your interaction with Robert A Messner. RMG Advisory Services reserves the right to alter the frequency of messages sent at any time to increase or decrease the total number of sent messages. RMG Advisory Services also reserves the right to change the short code or phone number where messages are sent.

Message and data rates may apply. If you have any questions about your text plan or data plan, it is best to contact your wireless provider. Your wireless provider is not liable for delayed or undelivered messages.

Your consent to receive marketing messages is not a condition of purchase.

Carriers

Carriers are not liable for delayed or undelivered messages.

Cancellation

You can cancel any time by texting “STOP”. After you send the SMS message “STOP”, we will send you a message to confirm that you have been unsubscribed and no more messages will be sent. If you would like to receive messages from RMG Advisory Services again, just sign up as you did the first time and RMG Advisory Services will start sending messages to you again.

Info

Text “HELP” at any time and we will respond with instructions on how to unsubscribe. For support regarding our services, email us at rmessnersr@rmgadvisor.com.

Transfer of Number

You agree that before changing your mobile number or transferring your mobile number to another individual, you will either reply “STOP” from the original number or notify us of your old number at rmessnersr@rmgadvisor.com. The duty to inform us based on the above events is a condition of using this service to receive messages.

Privacy

If you have any questions about your data or our privacy practices, please see above.

Messaging Terms Changes

We reserve the right to change or terminate our messaging program at any time. We also reserve the right to update these Messaging Terms at any time. Such changes will be effective immediately upon posting. Your continued enrollment following such changes shall constitute your acceptance of such changes