The purposes of investment for individuals include:

i) Appreciation and profitability of capital
ii) Financial preparation for retirement
iii) Creating a fund for the college education of their children or grandchildren
iv) Protecting the economic well-being of their family with life insurance

Among the additional benefits obtained in addition to the investment purpose is learning about the stock market and financial concepts, reinvesting to take advantage of compound interest, and the appreciation of the value of stock assets over time. In some cases, financial and tax planning benefits can also be achieved.

There are several ways to participate in investment instruments for both small and large investors. In the markets, you can invest in stocks of companies, government and private bonds, options, exchange-traded funds (ETFs), mutual funds, and futures contracts. The key is to ensure that the investor’s goals, profitability expectations, and risk profile are well-aligned with the chosen investment avenue.

The risk profile is individual and is defined through a person’s preference and tolerance for assuming losses or volatility, as well as the investment purpose, expected profitability, and estimated time horizon for fund usage. At Grove, we have financial advisors and tools to help determine your risk profile.

A registered financial advisor is a fiduciary and has the knowledge and experience to work alongside individuals in addressing their needs, thereby constructing a tailored financial plan. This promotes the achievement of personal goals, access to the best financial solutions, and, above all, validates the effectiveness of the plan over time.

It is the duty, legal obligation, and responsibility to act in the best interest of the client. Therefore, any recommendation and action prioritize the client first.

The investment advisor may be affiliated with various top-tier institutions, managing coordination for the client. This involves guiding each client through the necessary steps to create an investment account in their name with a securities brokerage institution, a “Broker Dealer” affiliated with Grove and compliant with U.S. securities regulations. Once the client has an investment account, the advisor constructs an investment portfolio primarily composed of stocks, ETFs, and bonds.

In the realm of investing for retirement, there are various options with advantages, limitations, and features related to the type of investments, taxes, and contribution methods. The assessment of which is more suitable will depend on the evaluation of the client’s specific preferences and circumstances.

Each type of plan has its own advantages and disadvantages, and the choice depends on the client’s individual circumstances.

In the case of investment portfolios, there are no specific required timeframes for investments. The essence of the stock market is that it offers short-term liquidity, subject to price and market conditions. In other cases, the timeframes will depend on the product or type of structure and will need to be authorized by the client.

Grove only works with institutions that have financial strength and are regulated in the United States, providing access to three levels of protection:

i) Access to institutions with high creditworthiness and financial strength.

ii) Coverage in the account holder’s name by the Securities Investor Protection Corporation (SIPC) of the U.S. government, protecting investment accounts up to $500,000.

iii) Diversification and asset selection by the Grove team in the chosen investment account.

You can access our records in www.brokercheck.finra.org or at the link provided below: https://adviserinfo.sec.gov/firm/summary/281917

Through the Grove web portal or its affiliated institutions, clients have 24/7 access to their investments. Additionally, we uphold high standards of personalized assistance, available in our offices, via Zoom, or over the phone.

As our focus is on meeting the needs of our clients, we offer customized solutions. We have two customer service lines: VIP Solutions, dedicated to Latin American and U.S. clients with a sophisticated profile, and Premium Solutions, focused on clients who are starting or in the process of growing their investments.

Grove works with clients located in Latin America and the United States.

Grove charges a fee for its services in line with market practices and regulatory compliance. This fee is determined based on the account balance according to a predefined fee schedule.