What We Offer:
1. Advice - That is truly Unbiased!
Unlike other firms, we give you the choice: you may use us as your primary adviser, you may select an independent adviser(s) who have agreed to only charge a flat or hourly fee, or you may select your own adviser(s). You will not have to move your money around in order to get help from multiple advisers. Regardless, we will always suggest you use a professional who is best equipped to help you on your terms. We believe the advice you receive should be priced in a way that facilitates complete transparency, so we only recommend advisers who agree to charge on an hourly or flat fee basis, rather than a commission or asset-fee basis. The hourly and flat fee advice and planning fees will vary from one adviser/planner to another, depending on the specialty. The great news for you is that you decide, and you will never pay for advice you do not receive.
The financial journey is a challenging one. Investors are continually faced with changing internal and external factors that affect their financial security. The impact of some of these factors may be explained through education, but goal setting, life planning, and investment allocation must be specific to each investor. Advice is a critical component of successful life planning and it is always prudent to seek out a professional's point of view. Additionally, if you recently experienced a life event (marriage, birth of a child, divorce, loss of a spouse, etc.), you may need to speak with someone who specializes in that area.
2. Saving on Investment Fees: A Pledge to Lower Fees In Every Way We Can - and No Commissions or "Wrap Fees"
In order to make advice and investing affordable for our clients, we first make a commitment to finding the lowest possible fees on investments. We do not receive commissions or asset-based fees, and as an Investment Adviser registered with the Securities and Exchange Commission, we only offer load-waived, adviser share and institutional share classes of mutual funds. We also continue to find ways to lower your stock/ETF commissions, and just recently began offering non-traded real estate investment trusts at substantial discounts by eliminating the commissions. We work every day to find ways to lower your investment costs, so you can afford a greater degree of transparent advice on your terms. Please keep in mind, we are advisers who only wish to see your best interests served, and strongly believe that sound professional advice leads to well-educated investment decisions.
3. Education
We believe sound investment and planning decisions begin with education. As the level of financial experience varies for each individual, we provide a range of educational information in the areas of financial planning, investments, retirement planning, college saving, taxes, etc. We offer educational live seminars, teleconferences, webinars and one-on-one phone support. If a particular topic interests you, let us know and we will find a qualified individual to present the topic. We will feature speakers from investment companies, financial planners, specialty law firms, certified public accounts, and real estate professionals. Click here to visit our Education & Webinars page.
4. Financial Planning
This is the process of evaluating your entire financial picture in order to meet your life goals through proper management of your finances. We believe in the financial planning process as set forth by the Certified Financial Planning board, and highly encourage the use of a CFP® professional, or an adviser that has been in the business of providing advice for 10 years or more. Why? Because it makes sense to obtain advice from a professional that has received adequate education and experience to best serve your needs. Certified public accountants are appropriate for tax questions, and attorneys are right for legal questions. Even if you are not ready to invest, it is never too early to start learning about the process.
5. Online Goal Planning thru FinanceLogix - Planning Software and other Tools
When we first began this endeavor, we were surprised by the lack of planning tools available to the end investor. We worked diligently to find a tool that will aggregate all of your accounts in one place, incorporate those values into your plan, and then allow you to input all of your goals and objectives. Once you develop a plan for the education of your children, retirement, estate, or other goals, it updates every time you log in. When you select a planner to assist you, he/she will be able to review the plan and modify if needed to better meet your goals and objectives. If you are not tech savvy, the planner can complete a financial plan for you. Click here to preview planning software created by FinanceLogix. Additionally, we make available planning checklists, calculators, and other aids that we as advisers use.
