In our investments

As fee only advisors the obvious conflict of interest represented by commissioned products has been eliminated. While it is a tremendous step forward that the investment management industry has moved increasingly to a fee based approach, there is still a huge elephant in the room. Advisors who charge fees based on, Assets Under Management have a clear incentive to give advice which increases assets under their direct management. Is that always in your best interest? Will that always align with your goals?

What if you are considering paying down a debt? That may be the wisest course of action, and could positively impact your net worth. Is a fee based on how much money is under the advisors direct management the right incentive to encourage the right decision?

Is it always the best course of action to consolidate your assets under your advisors discretionary control? Possibly so in general, but every situation is unique when it comes to tax implications, the investment impact of liquidating or transferring particular assets and their familiarity with particular securities. In other words, it might might make more sense to leave an asset where it is for one reason or another. Our approach to how we charge for our services makes this a non-issue for clients taking advantage of our comprehensive services.

What about how much cash you should have or use to cover non investment related risks with insurance or use to support your lifestyle? Is your advisor a provider of unbiased advice or an asset gatherer?

Our comprehensive approach to Wealth Management features:

• No commissions
• No financial incentive to gather assets
• No bias against cash

If you’d like to talk further with us about your unique situation, please contact us today. There is no charge for any initial discussions.