Charting your individual path...
How We're Different
Low cost. Fully transparent, with no hidden fees.
Most of the investment industry remains based on multiple layers of commissions and fees, much of which are not transparent to clients. We are fee-based only, and the fees are fully transparent. By eliminating the multiple layers of hidden costs, we are far less expensive than most competitors and traditional brokers…and that means higher returns and faster accumulation of wealth. Our fees are as low as 0.5% per year, and this includes constructing and managing a custom portfolio that fits your tax situation, values, risk tolerance, and time horizon.
We are a Fiduciary
Our firm is a Registered Investment Advisor, which is very different from a brokerage. Many brokers now call themselves "advisors," too, so the difference is not always apparent on the surface. But the difference is enormous.
As a fiduciary, we are bound by the legal duties of care and loyalty. In short, we must act in your best interest. In contrast, most of the financial industry is based on a broad standard of "suitability," which allows for high fee structures and commissions, illiquid investment products, and a potential conflict between the broker's commission-based compensation and your best interest, which is served by a long-term, low-turnover, low-cost, expertly-designed portfolio.
A Long-Term Buy-and-Hold Approach
Without commissions, we have no incentive to churn portfolio holdings. But more important than that, our focus is on the long-term value of each underlying investment. We never lose sight of the financial math that drives returns in the long run.
Active and Passive Portfolios
Lower portfolio turnover means lower costs. We are long-term buy-and-hold investors using both low-cost index funds and individual selection of high-quality companies with good long-term prospects for success at attractive entry prices. Portfolios are very well-diversified across asset classes, industries, and geographies.
Socially Responsible Investing
We offer personalized portfolios that reflect YOUR values. Invest in businesses and industries that you support and believe in. Many studies show that there is no performance reduction from investing in responsible companies. In fact, some studies show that socially responsible companies outperform their less responsible counterparts. Read more.
We Welcome Everyone
Everyone is welcome as a client. There is no minimum asset requirement. Unlike many competitors, we want to help everyone, regardless of portfolio size.
Our vision and business model are to be what the investment industry should be.
Let's chat! Please send an email.