The Fiduciary Responsibility means that the client's best interests must come first at all times. There can be no potential sources for conflicts of interest.
For example, a person working at a Broker-Dealer or Financial Planning company may recommend a mutual fund that offers them a better commission or is being promoted by their company. This fund may not be the best available fund for the client.
Specific recommendations on which mutual funds to own and how much of each of them.
Sophisticated tools are used to determine the relative strength of the funds available in your plan.
Changes are recommended as needed.
One on one portfolio performance review is held every 3 months.
Recommendations for initial positions and the timing for portfolio changes are determined by changing market conditions and are made as required. Value is enhanced by holding positions that are trending up and paring back on equities that are trending down.
This is in contrast to recommendations using a pre-set formula based on a person's age and waiting for an annual review to make any changes to get back to original asset allocations. This strategy leads to selling things that are moving up and buying more of things that going down.
A personal, one and one relationship is developed with each client.
There are no phone trees to go through when you make a call.
You speak directly with the person responsible for the performance of your portfolio.
Each portfolio is designed to meet each client's individual goals, risk tolerance, investing style and timeline.Separate portfolios and strategies can be developed for investing for the future (retirement, funding college tuition, buying a house), investing for income (regular withdrawals to fund retirement living expenses), and investing for short term growth.
Portfolio change recommendations are made as needed. There is no waiting for a quarterly or annual review.
Early warning signs are used to make modifications, frequently leading to partial increases or decreases in position size. This is contrast to an all in or out philosophy.
All of your assets are held by a custodian.
For 401K and 403B plans this is the current company who administers your plan and sends you statements. There is no need to change anything.
For IRA and Taxable Brokerage accounts the portfolios can be held at Fidelity or Interactive Brokers
I can make trades on your behalf, but I do not have access to your money.
Only the information needed to manage account is collected. Social Security numbers are not requested.
All personal financial information is kept confidential and will only be made available to regulatory authorities on written request.
There are three basic types of service offered:
Investing for the future:
The focus is on long term growth from stocks, stock funds and bond funds that exhibit strong relative strength to the market and their peer group. Dividends are reinvested to compound growth.
Investing for Income:
The focus is on generating a reliable income stream. An emphasis is placed on yield, dvidend safety, and a record of annual dividend increases to keep up with inflation.
Investing for short term gain:
A relative strength strategy is utilized to identify the top 4 of 40 sectors and the top 4 stocks in each of those sectors. The portfolio is monitored on an ongoing basis and weaker performers are sold and replaced if appropriate market conditions exist. The portfolio is reviewed and rebalanced monthly, if appropraite.
Past performance does not guarantee future results for any of these strategies and there is always the risk of loss even though each strategy includes techniques to manage risk.
Investment advisory services are provided on a "fee only" basis. We don't sell anything and do not receive commissions or any type of compensation from the fund providers or the custodians that hold client funds and execute individual trades.