How our Advisory Services work:

Clarifying Your Objectives

• First, we sit down with you to discuss what is important to you and thoroughly assess your current financial picture to determine what investment strategy is appropriate for you

• A personalized Investment Strategy Summary is written delineating your goals and investment strategy which serves as the guide for the ongoing management of your portfolio

 

Strategic Allocation Process

• We believe it is difficult to time the market and feel the best approach is to properly allocate your portfolio for your risk and return objectives, and to stay fully invested throughout the various market cycles

• We determine our asset classes and allocations based not on short-term market predictions but on a three to five year capital market outlook

• We have created a variety of model portfolios for conservative to aggressive investors

 

Flexibility of Money Manager Selection

• We select from over 7,000 no-load funds

• Each manager is selected carefully and monitored for the portfolios based on investment style, track record, expenses, performance and risk characteristics

• We prefer to use active managers that have flexibility to select the individual securities in their fund vs passive managers (e.g., ETF's and index funds)

 

Removal of Conflicts of Interest That Can Accompany Commission-Based Investing

• All holdings are purchased with no loads (sales charges) and with minimal transaction costs so that the advisor's compensation is aligned with the client's objectives

• Fees are fully disclosed and plainly seen on statements