Patricia Beine

ClearStep Financial

3870 S 108th St
Greenfield, WI 53228

I Am Licensed and Registered as Follows:
1. Insurance Agent
  1. I am a licensed insurance agent and am authorized to represent various companies as I offer, sell and service insurance products on their behalf.
2. Investment Advisor Representative under Harbour Investments, Inc. Registered Investment Advisor. An Investment Advisor Representative (IAR) refers to licensed and authorized personnel who work for investment advisory companies. The primary responsibility of an IAR is to provide investment-related advice as a financial advisor or planner.
3. FINRA (Financial Industry Regulation Authority) Registered Representative with Harbour Investments, Inc. 575 D’Onofrio Dr., Suite 300, Madison WI 53719. Member FINRA, SIPC.
  1. Series 6 Investment Company and Variable Contracts Products Representative. As defined by FINRA, this candidate may register as a company’s representative and sell mutual funds, variable annuities and insurance. Holders of the Series 6 are not permitted to sell corporate or municipal securities, direct participation programs and options.
Services I Provide:
1. As an investment advisor, I act in the best interest of my clients and do not place my own interests ahead of my clients.
2. I provide portfolio management services and receive a disclosed percent of assets under management as compensation. Specific services provided are outlined in Harbour Investments Asset Management Services Agreement.
3. I act as a solicitor of an investment manager(s) to manage client assets. I receive a disclosed percent of assets under management as compensation. The investment manager also charges a management fee. Total fees are disclosed in the Harbour Investments Third Party Money Managers Program Services Agreement.
4. I provide non-portfolio management services and assess a flat or hourly fee at a disclosed dollar amount as compensation. Specific services provided are outlined in the Harbour Investments Financial Planning & Investment Consultation Services Agreement.
5. I sell insurance or investment products that have a stated commission paid to me.
6. I use third party financial tools for portfolio analysis and to support various planning needs.
Personal Conflict of Interest:
1. Whether via an investment product, insurance product or advisory platform, I do receive commissions or fees on the product and services that I recommend for you. You are under no obligation to purchase these products or services. All costs will be disclosed in writing at the time of purchase.
2. I do attend training and product informational meetings sponsored by investment companies, insurance companies, Harbour Investments and various other companies. I have received reimbursements for travel, meals and entertainment. Please ask me about any recent situations.
3. As a complement to my practice, I do utilize various Fixed Marketing Organizations (FMO’s). Many FMO’s offer proprietary insurance products that I may recommend for your portfolio. These companies do provide training, marketing material, financial planning tools and in some cases production rewards. Please ask me about any recent assistance I have accepted.
4. ClearStep Financial receives money from Prudential Financial, Flexible Plan Investments, Q3 Asset Management, Catalyst Funds, Bluerock Total Income, Griffin, TransAmerica, Jackson National, AMP Wealth Management, and Nationwide to support education and client appreciation events. Any remaining funds are used to support local charities and community outreach..

Form ADV Part II Brochure Supplement for Patricia Beine BrokerCheck by FINRA Form ADV Part II Form ADV Part III / Form CRS

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