Services | Investment Management Planning

We are fee only.

• We do not receive commissions for any financial products that our clients use.

We believe that it is important to have low investment expenses in order to maximize investment returns over time.

The 3 biggest mistakes that investors make are:

• Trying to time the market
• Failing to diversify their investments
• Failing to continue to invest new money into the market

We help our clients avoid these mistakes.

We structure investment portfolios based on Nobel-prize winning science and academic research in a disciplined, transparent approach.

• We use Dimensional Fund Advisors mutual funds.
• These portfolios are designed to have long-term outperformance of popular benchmarks with reasonable tracking.

We use Gannett, Welsh and Kotler, LLC to manage accounts of individual bonds (corporate, municipal, government, and/or government agency) for clients’ fixed income allocations, as appropriate.

We use Fidelity Investments as a custodian (not as an investment manager) for our clients' investment accounts.

• We do not have custody of client accounts.

We do not have discretion to trade client accounts.

• We have to get written authorization from the client before making any trade.
• We discuss all trading decisions with clients to make sure they understand and approve of every trade made in their accounts.