Choosing an Advisor
The trust and friendship of those we serve are the foundations of our success.
As a fiduciary and fee-only Registered Investment Advisor (RIA), our loyalties are always aligned with your best interests. We strive to be your most trusted advisor based on integrity, knowledge and personalized service.
The value of an advisor begins with helping you achieve investing success through adherence to certain guiding principles:
• Providing calming advice as markets fluctuate so you don’t take a wrong turn.
• Being tax-efficient through prudent asset location and tax-smart strategies.
• Keeping costs low.
• Rebalancing with discipline.
We are committed to demonstrating our dedication to you and seek long-term relationships through these principles. Annually this can add 1-3% to your portfolio returns.
As an RIA, being independent allows us to make objective decisions on behalf of the families we serve. We help you achieve your goals through experienced guidance, discipline, asset allocation and low fees.
We stay tuned-in to the global economy and geopolitical landscape. We also rely on our clients to keep us informed of any changes in their lives that might cause us to revise their investment goals.
The Benefit of Independence |
The Whole Picture |
Registered Investment Advisor |
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The primary agenda of RIA’s is to offer advice that’s best for you. It’s one of the key reasons they went independent—to have greater freedom to serve you better. |
RIAs invest your money to help you meet not just your financial goals but your entire financial picture such as your children’s education or estate planning. |
Registered with the Securities and Exchange Commission or state securities regulators. All RIAs have a fiduciary duty to act in your best interest. RIAs are on your side, ready to offer the advice and guidance you need. |
Investment Advisor Benefits
Tailored Advice
Whether you need help with retirement planning, a tax situation, estate planning, or managing assets at multiple places, it’s fundamentally important that your advisor truly understands you, your goals, and your situation. Many RIAs are in a position to do that and pride themselves on having strong personal interaction with their clients and being dedicated to their clients’ needs. They believe that their independence is key to offering investment advice based on what’s best for their clients.
Comprehensive Guidance
A rich diversity of specialization among RIAs means you can likely find one to provide the type of advice you need. Many independent RIAs provide services that address a variety of complex investment needs that often arise when you accumulate significant wealth, such as assisting you with the sale of a business, complicated tax situations, trusts, and intergenerational issues. Some advisors are specialists in certain investment strategies. Others can assist you with comprehensive services, such as estate planning or borrowing. Given the amount of specialization throughout the industry, no matter how complex your individual needs, you will likely find an independent RIA who can provide advice that’s right for you.
Relationship Building
RIAs typically form close relationships with clients and have a strong sense of accountability. The goal of an RIA is to help find solutions that are closely aligned with their clients’ needs and objectives, and many independent RIAs enjoy a deep, personal relationship with their clients. This often takes regular, ongoing interactions. And because many independent RIAs are entrepreneurial business owners, the buck stops with them, so to speak, and they frequently have a strong sense of personal accountability to their clients.
Fees
Fees are based on a percentage of assets managed. This fee structure is simple, transparent, and easy to understand, and it gives your advisor an incentive to grow your assets.
Reliability
RIAs often use institutional custodians—such as brokerage firms—to safeguard clients’ assets. These custodians also provide important infrastructure services, such as executing trades and preparing monthly brokerage statements for clients. This helps an RIA focus on understanding your needs and providing the best advice possible.
