While these are our most frequently asked
questions, we realize you might have more! Schedule a complimentary consultation today.
What is a registered investment advisor?
A registered investment advisor (RIA) is a company that provides investment advice for a fee. RIAs advise clients on securities investments and may manage a client's investment portfolio on a discretionary basis. RIAs are regulated by the U.S. Securities and Exchange Commission (SEC) or state securities administrators, and are considered to be fiduciaries to their clients.
What is a fiduciary?
A fiduciary is a person who, by virtue of the unique amount of confidence reposed on their side of a contractual relationship, is considered by law to act in a capacity analogous to a trustee. In such circumstances, the fiduciary owes the other party "fiduciary duties," which generally require that they always act in the other party's best interest, subordinating their own when necessary. Fiduciary duties include a duty of loyalty, good faith, confidentiality, prudence, and disclosure.
Do you have custody of your client's assets?
No, we never take custody of client assets. Our client's assets are held in custody at third party institutions, typically Fidelity Investments or Charles Schwab.
What is your Investment Philosophy
Investment decisions should be made in light of each individual's needs and goals and take into account a person's entire financial picture. Once an investors objectives are established, we allocate their portfolio across a diverse set of investment opportunities that is consistent with their attitudes towards risk and return.
Our portfolios are dynamic and regularly adapted according to our view of the economy and markets. We focus on a macro approach emphasizing strategic asset allocation over market timing. When reallocating and trading, we employ efficient strategies that reduce gains and taxable income.
What are your fees?
Our clients are charged an advisory fee based on a percentage of the assets under management, typically on a tiered basis. Fees are charged quarterly in arears based on the value of the assets at the close of quarter.