Investment Advisory

We Work for You

Fiduciary Mindset: Philosophy Meets Business Model

A strong working relationship requires work, communication, and commitment to a purpose. In our experience, most financial consumers have difficulties discerning how to evaluate the merits of advisory services. Standard industry practices are confusing: complex product and compensation schemes, confusing business models, and clever marketing campaigns often obscure the real picture. Here is a clear description of what we deliver:

Investment Advisory: structure your portfolio in the context of your entire net worth to be efficient and effective in controlling cost and taxes, hence, more money stays in your account to compound value.

  • Portfolios are diversified to lower risk and increase expected returns
  • Assets located in your accounts to optimize tax deferral; withdrawal strategies to sustain retirement spending
  • Under performing assets (i.e. overpriced variable annuities or insurance products) are redeployed

Personal Financial Planning: Holistic view of your financial state designed to balance saving, lifestyle, and retirement planning.

  • Transition planning (i.e. business exit, retirement, adapting to unplanned events)
  • Cash and debt management
  • Risk management – Proper levels of insurance with appropriate policies to protect your assets

Business Financial Planning: Assess business value with your personal assets. Does a gap exist between your current lifestyle and life after you leave the business? Is adequate protection against contingencies in place?

  • Key members of your team aligned with business success
  • Ensure buy-sell agreement is updated and spells out a clear process to value and fund a buyout
  • Assess realistic, after-tax business value with your entire portfolio

What’s Our Fiduciary Mindset?

Let’s use insurance to show you what it is – and why it matters. Insurance protection serves a vital need in many planning situations: life, health, home, business, estate and tax planning, etc. There’s no disputing the need. The problem lies in how it’s typically sold. Cryptic disclosures, misleading illustrations, and conflicted, manipulative sales gimmicks. Why? High-commission motives at your expense. In many cases, the cost outweighs the benefit. In egregious cases, the cost is outright predatory and the product sale completely wrong for client needs.

In contrast, we use insurance repriced and re-designed for the RIA/fiduciary* market that eliminates the misaligned commission motive. These value-focused, commission-free products fit the purpose that drives our philosophy: to help you plan and invest right for what you want to achieve.

Investment Advice Shouldn’t Be Confusing

Financial planning and investment management should work together to protect and grow your wealth. We commit to help you understand the advantage in our mindset because we want you to see how we work for you. Transparency is fundamental to our process, business model, and fact-driven operating philosophy. We are obligated to serve your interests first and foremost. In practical terms, this means we are careful to caution you on potential conflicts of interests, weigh your cost vs. benefit, and explain key tradeoffs so you can make well-informed decisions for your money. Our time-tested strategies control risk, eliminate excess costs, and are vital to help you compound value on your path toward financial security.

The Facts
  • Process addresses investment, tax, legal, insurance and estate planning considerations
  • Superior business model and operating philosophy minimizes conflicts
  • Competent advice, disciplined cost control, consistent execution
Your Advantage
  • Advice from all members of your advisory team helps to maximize your protection
  • Manage conflicts to control cost and say good-bye to standard industry boilerplate remedies  
  • Reduce risk, increase efficiency, and be confident your decisions are working to secure your future

Put the odds in your favor with our Investment Philosophy: Facts vs. Fiction

* Registration does not imply a level of skill or training.

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