Please review our Six Step Process below.
We don't sell investment products! We provide a plan and a process.
Our Investment Advice is based on well researched investing principles. We use low cost Exchange Traded Funds (ETF's), globally diversified and built to outperform on a risk adjusted basis. We use ETF's that are based on a broad array of passively managed indexes. For full details of the exact ETF's that we use in our recommendations, you can see these ETF's once we complete the complimentary Financial Analysis as described in Step Two.
Our ETF portfolio expenses ranges from 0.20 - 0.30%, depending on the ETF portfolio recommended for your needs. Typically, our ETF portfolio expenses are generally between 0.75% - 1.00% less than a portfolio of mutual funds.
Morningstar Investment Services, Inc.We recommend Morningstar Managed Portfolios for clients who are seeking various alternative forms of money management. Click here for their disclosures.
Our Six Step Process
The first step is to have a free consultation where we discuss what's important to you and how we may be able to help you. At this meeeting, we complete our fillable Confidential Data Gathering Form. Please note that no private information such as account numbers or Social Security numbers are needed at this time. Please see our form for more details. You may fill this out in advance if you wish, or wait until the first meeting. Either way is fine.
Click here for our Confidential Data Gathering Form.
We show you an analysis of your current investment portfolio that includes an independent report from the noted research firm, Morningstar®. In this report, we will show you what you are currently invested in and key metrics pertaining to your portfolio. This report will show you an unbiased look at the expenses that you are paying in your investment portfolio. There is no charge for this detailed financial analysis that goes along with our free consultation meeting.
Financial Analysis Results
At this meeting, we show you the Financial Analysis results. At this point, you have time to digest the report, take it home and review it, then decide what direction, if any you wish to take. Most clients find this report extremely eye opening and educational. Keep in mind that this report comes from a highly reputable firm, Morningstar® and provides an unbiased look at your overall situation.
If you are agreeable to working with us, then we setup a meeting to begin the process of completing the required account applications and transfer paperwork. Normally, this account transfer process takes about two to three weeks to complete. We use Charles Schwab & Co., Inc. as our custodian for client accounts and they have several processes that make everything easy including eSignatures. In order to learn more about what Schwab has to offer, visit their web site for clients of Registered Investment Advisers at Schwab Client Learning Center.
We provide ongoing monitoring and reporting of your accounts. We have a dedicated Secure Web Portal where client reports are uploaded each month. Clients may access this secure Web Portal 24/7 to view their accounts and pertinent account documents. Further, clients have 24/7 access to their account information via our custodian, Charles Schwab & Co., Inc. and also with our Alternative Money Management firm, Morningstar Investment Services, Inc.
We have reviews as often as quarterly if needed, but at least annually. There is no restriction on appointments for when your financial situation changes and for reviews of progress towards your goals. Our door is always open to serve our clients.
Our Disclosure Documents
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