- We are a fee-only investment management firm. This allows us to be objective and our interests are aligned with our clients. We do not sell high cost commission products or loaded mutual funds. We are compensated only by our clients, not by the distributors of the investments we recommend.
- We implement our strategy using 'index' funds that cover many asset classes. These are well diversified vehicles with very low expense ratios. Our article "How to Beat the Average Professional Investor" describes index funds and why we think they produce competitive performance.
- The majority of our clients use discount brokers such as Charles Schwab and TD Ameritrade for the custody of their assets. We have negotiated discounts on behalf of our clients.
- We keep the number of trades low to further reduce costs.
- Consumers face a mind-numbing array of costs when it comes to investment advice. Many of those costs are hidden and investors are kept in the dark about the total fees. We keep things simple and we keep your total fees and costs low.
Portfolio and Investment Management fees will be based on the value of those assets under management on a quarterly basis in arrears.
The Investment Advisory Agreement (IAA) may be cancelled by either party for any reason upon receipt of written notification, 30 days prior to cancellation. Fees will be assessed up to the date of termination.
Fees are negotiable and generally are lower than those charged by other advisory firms. Please call us for more details.
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