Investment Management Services: We will implement a customized investment strategy utilizing our proprietary and independent investment research that is not influenced by conflicts of interest. As a fee-only investment advisor, we charge only an asset based management fee so that our compensation is directly linked to the value of your investment portfolio.
We use an independent custodian to hold your assets and you will receive monthly reports directly from the custodian and transaction statements every time we make a trade decision in your account. We will provide you with quarterly reports based on asset allocation, performance versus a benchmark and a letter informing you of the investment decisions we made during the quarter.
Because we individually manage and continuously monitor our client’s accounts, we are able to recognize opportunities that others may miss. Our clients give us discretionary authority to place trades on their behalf, which enables us to proactively make decisions decisively and without bias. We provide the investment management services as part of assets held in the following types of accounts:
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Taxable brokerage accounts
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IRAs, Roth IRAs, Rollover IRAs
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Trust investment management
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Company sponsored 401(k) Plans
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SIMPLE IRAs/401(k)s, SEP-IRAs
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Individual 401(k) - i401k
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Cash management accounts
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Endowments and company/association investment accounts
Individual or family clients
A typical individual client comes to us with $100,000 or more of investment assets that may be transferred from another broker, investment advisor, bank or insurance comany. An account is opened in your name at Charles Schwab & Co., Inc. and either your check is deposited into a money market account, securities are transferred from your previous relationship, or securities are rolled over from a former employers retirement account, like a 401(k). As part of the implementation of our strategy, we will advise you on the best accounts to promote wealth accumulation in a tax efficient manner.
401k Advice and Rollovers
Many clients come to us seeking help with their employer 401(k)s. We can review your employer's 401(k) and 403(b) investment options and provide you with annual or quarterly allocations based on your long-term goals and objectives. We will also fill out the paperwork for you to make the changes or you can grant us web access to make the changes for you.
A typical retirement plan consulting client comes to us with either a start-up plan or mis-managed company retirement plan like a 401(k), SIMPLE IRA or Profit Sharing Plan. We work along with a third party administrator to design a plan based on the needs of the owners of the company and their employees. We implement and educate the participants in the plan and don't set it and forget it. We make regular, usually quarterly or semi-annual visits with the owners and employees to ensure they are receiving the best possible investment advice and education.
Investment Management Fees
Because we have designed our firm around providing our clients with independent and objective advice, we have aligned our earning potential directly to the value of our clients' accounts. We are a fee-only firm and are only compensated for our management and advice from the clients we serve. We do not receive any investment commissions and do not have any investment products to sell.
| Equity Portfolios |
Percent of Assets |
| First $500,000 |
1.50% per annum |
| Next $500,000 |
1.25% per annum |
| Assets over $1 million |
0.75% per annum |
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| Fixed Income Portfolios |
0.50% per annum |
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