Groshek Investments, Inc — Investment Adviser

Why work with us

One person to call

You will not get a call center or a new adviser every year. We are a fiduciary, which means your interests come before ours, and we get paid one way: by you.

Your money stays yours

Your account is opened in your name at an independent custodian. We never hold your money. Fees come to you as a bill you pay, not a withdrawal you find later.

You set the terms

You decide what you are investing for and what is off limits, and you sign off on the plan. It does not change unless you sign again.

What it costs

Effective 09/16/2026

INVESTMENT MANAGEMENT

2.00% per year Billed after each quarter ends, at 0.50% of what your account is worth on the last business day of that quarter. A partial quarter costs a partial fee, including your first one.

FINANCIAL PLANNING

$100 per hour Charged in quarter-hour blocks of $25.00, billed when the work is done or along the way. No minimum — a single hour is fine.

Minimum to open a managed account: $5,000, though we can waive it. Planning has no minimum.

FEES CHARGED BY THE INVESTMENT ADVISER
Fee	Amount	When charged	Services
Assets under management	2.00% per year (0.50% per quarter)	Quarterly in arrears	Portfolio management for individuals
Hourly	$100.00 per hour ($25.00 per quarter hour)	On completion, or as rendered	Financial planning
Subscription	$0	n/a	n/a
Fixed	$0	n/a	n/a
Commissions to the adviser	$0	n/a	n/a
Performance-based	$0	n/a	n/a
Other	$0	n/a	n/a

FEES CHARGED BY THIRD PARTIES
Cost	Applies	Paid to
Third-party money manager	No — $0	n/a
Robo-adviser	No — $0	n/a
Brokerage fees	Yes	Your broker-dealer or qualified custodian
Commissions	Yes	Your executing broker-dealer — never the Firm
Custodian fees	Yes	Your qualified custodian
Mark-ups	No	n/a
Mutual fund and ETF fees	Yes	The fund or ETF sponsor

Plainly: 2.00% is more than a lot of registered advisers charge, and you can get similar help for less — from index funds, ETFs, automated advisers, or another firm. Shop around before hiring us. We would rather you compare and come back than wonder later.

Fees are negotiable, so two clients in similar situations may not pay the same thing. You are only charged for the services you ask for. Our fee does not cover the third-party costs listed above — those go to your custodian, broker, or fund. Items 4 and 5 of our Form ADV Part 2A spell all of this out, and we will send it to you free.

Everything, in writing

You get these before you sign anything and at the start of the relationship. Want to read any of them first? Call or email and we will send it, free.

Form ADV Part 2A — Firm Brochure: What we do, what it costs, how we invest, what can go wrong, and where our interests could conflict with yours.
Form ADV Part 2B — Brochure Supplement: The education, work history, and disciplinary record of your adviser representative.
Investment Advisory Agreement: The contract between you and the firm, including exactly what we can and cannot do in your account.
Table of Fees for Services: The fee schedule above, in full, with how each one is billed.
Privacy Policy: What we collect, how we protect it, and why it does not go to anyone else.
Client Information & Investment Profile: Where you stand, what you are aiming for, how much risk you can live with, and someone we can call if we cannot reach you.
Investment Policy Statement: The written plan for your portfolio. It is not in effect until you sign it.
Client Receipt & Disclosure Acknowledgment: Your confirmation that you got the documents above and had a chance to read them.
Annual Client Review Form: The record of the yearly review of what has changed for you.
Code of Ethics: The standards we hold ourselves to in working with you.

Start with a conversation

The first call costs nothing and commits you to nothing. You will have our Form ADV brochures, privacy policy, and fee schedule in hand well before anyone asks you to sign.

617-402-2244 groshekinvestments@gmail.com

Newton, Massachusetts — meetings by appointment

Registration. Groshek Investments, Inc is registered as an investment adviser with the Commonwealth of Massachusetts (IARD No. 343291). Registration does not imply a certain level of skill or training. You can check the registration and read the filings at adviserinfo.sec.gov.

Experience. You should have the whole picture before deciding. The firm was formed in June 2026 and has no track record. Its principal passed the Series 65 in June 2026 and the Securities Industry Essentials exam in July 2026, is an undergraduate student, and had no professional investment-management experience before starting the firm. Passing an exam does not imply any particular level of skill or training.

Risk. You can lose money, including everything you put in. Some of the strategies we may use are speculative and carry substantial risk. Past performance does not guarantee future results, and the firm does not guarantee any result or rate of return.

Scope. This page is information, not advice — not investment, legal, or tax advice — and it is not an offer of services anywhere the firm is not registered or exempt. The firm advises clients only under a signed agreement, after the Form ADV brochures and related disclosures have been delivered.