Our exclusive team of independent advisers work with employers, 401(k) plan administrators, employee participants of 401(k) plans, and individual investors to provide the best possible money management solution at the most reasonable cost. Our globally diversified separately managed accounts offer several advantages over mutual funds.
Customization: Clients' portfolios are custom designed to match their needs and goals. Customization includes not only a globally diversified asset allocation, but also the ability to exclude specific companies, industries, and sectors, for both financial and/or socially responsible purposes. Your portfolio will match your needs and desires.
Continued Attention: Clients' portfolios are monitored to ensure that the guidelines of the Investment Policy Statement are followed. When deemed necessary, clients' portfolios are updated and rebalanced to improve the match between goals and investments. The primary reason for monitoring and rebalancing is to ensure that the risk of each portfolio remains consistent with the needs of each client. Your investments will stay on target.
Transparency: Clients can own all of their equities directly and this allows clients to view each equity they own 24/7. A mutual fund only reveals its investments each quarter, so you rarely know what companies are currently in the fund. With our SMA program, you know exactly what you own on a daily basis.
Tax Efficiency: Directly owning equities has several tax advantages over pooled investments such as mutual funds. The advantages are: not paying others' capital gains taxes, not paying others' income taxes, and tax lot harvesting. Paying less in taxes helps your investments grow faster.
Full Disclosure: Are you working with a financial adviser that is working for you or the firm that has trained your adviser the traditional way to earn a living in the financial industry? A trusted adviser should be more than just talk or initials after a name. Has your adviser disclosed to you how the biggest names in the financial industry have a vested interest in keeping your money in products that make billions for them and virtually assure that you will have to work longer to reach your investment/retirement goals? If not, your adviser is either naive or is working your account for their own self-interest and the interest of their firm (the Status Quo). There is no middle ground. Are you navigating the rough waters of retirement on tainted advice? Could you benefit from financially solid and unbaised advice?
The advantages with us over the competition are clear.
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