TDC Capital Advisors, Inc.
April 22, 2021
TDC Capital Advisors, Inc. is registered with the Securities and Exchange Commission as an investment adviser and, as such, we provide advisory services rather than brokerage services. Brokerage and investment advisory services and fees differ and it is important for you, our client, to understand the differences. Additionally, free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about brokerdealers, investment advisers, and investing. This document is a summary of the services and fees we offer to "retail" investors, which are natural persons who seek or receive services primarily for personal, family, or household purposes.
What investment services and advice can you provide me?
We offer Portfolio Management Services to retail investors. Detailed information regarding our services, fees and other disclosures can be found in our Form ADV Part 2A Items 4, 7, and 8 via the following link
Account Monitoring: Monitoring investments is not one of the principal investment advisory services that our firm offers.
Investment Authority: We offer non-discretionary investment management services whereby we will provide advice, but you will ultimately decide which investments to buy and sell for your account. You have an unrestricted right to decline to implement any advice provided by our firm on a non-discretionary basis.
Investment Offerings: We primarily offer advice on mutual funds; however, we may also offer advice on equity
securities, corporate debt securities, certificates of deposit, municipal securities, and U.S. Government securities.
Account Minimums and Requirements: In general, we do not require a minimum dollar amount to open and maintain an advisory account; however, we have the right to terminate your account if it falls below a minimum size which, in our sole opinion, is too small to manage effectively.
Key Questions to Ask Your Financial Professional
What fees will I pay?
The following summarizes the principal fees and costs associated with engaging our firm for investment advisory
services. For detailed information, refer to our Form ADV Part 2A, Items 5 and 6 via the following link
• We charge an asset-based fee for our portfolio management services, which is payable quarterly in arrears.
Since the fees we receive are based on the value of your account, we have an incentive to grow your account value and to discourage withdrawals.
Additionally, the following are examples of the most common fees and costs applicable to our clients, which are separate and distinct from our advisory fees:
• Custodian fees;
• Account maintenance fees;
• Fees related to mutual funds and exchange-traded funds;
• Transaction charges when purchasing or selling securities; and
• Other product-level fees associated with your investments.
You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce
any amount of money you make on your investments over time. Please make sure you understand what fees and
costs you are paying.
Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?
What are your legal obligations to me when acting as my investment adviser? How else does your firm make
money and what conflicts of interest do you have?
When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Here are some examples to help you understand what this means.
We do not make any money from our investment advisory services except as described above. Because our revenue is derived from asset based fees, we have an incentive to encourage clients to grow assets with us and to discourage withdrawals. This could also cause us to take more aggressive positions in your account in conflict with your interests in an attempt to grow your account.
Refer to our Form ADV Part 2A via the following link https://adviserinfo.sec.gov/firm/brochure/117769 to help you understand what conflicts exist.
How might your conflicts of interest affect me, and how will you address them?
How do your financial professionals make money?
The financial professionals servicing your account(s) are compensated either by a salary or a percentage of our firm's revenue due to their status as owners. Financial professionals who are compensated based upon a percentage of revenue have an incentive to grow your assets managed by the firm and to discourage withdrawals.
Do you or your financial professionals have legal or disciplinary history?
No, our firm and our financial professionals currently do not have any legal or disciplinary history to disclose.
Visit Investor.gov/CRS for a free and simple research tool.
As a financial professional, do you have any disciplinary history? For what type of conduct?
You can find additional information about our investment advisory services or request a copy of the relationship summary by contacting us at 979-260-9696.
Given my financial situation, should I choose an investment advisory service? Why or Why Not?
How will you choose investments to recommend to me?
What is your relevant experience, including your licenses, education and other qualifications?
What do these qualifications mean?
Who is my primary contact person?
Is he or she a representative of an investment adviser or a broker-dealer?
Who can I talk to if I have concerns about how this person is treating me?