1. The biggest problem in the financial services industry is a lack of service
Investment Advisors and financial institutions have too many clients
and not enough time and energy to service them all properly. My practice
is exclusive, and if we choose to work together, I pledge a level of
personalized and attentive service that few advisors in the industry are
able to match.
2. Every client needs to have a detailed, written and comprehensive financial plan
to plan is planning to fail. Without a detailed and written financial
plan, few investors are able to stay on track for the long term or
maintain the appropriate level of perspective when it comes to their
investments. A financial plan is an integral part of the relationship in
working with me as your investment advisor. I regularly update and
review plans with my clients to ensure that you are on the right track
towards achieving your financial goals.
3. Money management should be left to the professionals
an individual, you have unique talents, skills and expertise. Unless
you are a professional investor, your expertise most likely does not lie
in wealth management. I believe that wealth management should be
delegated to professional money managers. A professional can take the
emotion out of investing and give you an objective, unbiased point of
view that is priceless when it comes to investing.
4. Direct ownership in individual securities
investors’ portfolios grow, especially beyond $250,000 in investable
assets, I believe they are best served by directly owning individual
securities. This can be achieved through a personalized portfolio of
stocks, bonds and ETFs or through Separately Managed Accounts handled by
institutional, pension style managers. In either case, the fees are
lower and more transparent as you escape from costly and hidden MERs.
Your assets are also not pooled with other investors leading to untimely
tax consequences and plummeting NAVs from mutual fund redemptions.
Mutual funds are sold to the masses and small investors, where in
contrast, stocks and bonds are bought by the "smart” money and more
5. Disciplined, systematic and formula based investment approaches
money managers are not able to consistently outperform the broad
market. Not only are professional money managers unable to beat the
market, neither are individual investors. When it comes to money
management, emotions and opinions will get in the way of sound
investment decisions. To counteract this, investors must use proven
systems, formulas and processes. It’s my job to apply those processes to
your investment portfolio.
6. Unique, custom designed and personalized financial solutions
working with me as your Investment Advisor, you will not receive a
pre-packaged or off the rack solution. You are an individual with unique
needs and wants and you deserve to have a personalized and customized
investment and wealth solution. Think of me as your general contractor
and together we will build your custom designed dream home.
complaints from disgruntled investors include the following; too much
paper work, confusing statements and reporting, and difficult to
understand investment and planning strategies. If you find anything to
be cumbersome or unclear, then I encourage open and frank discussion to
help clarify and simplify things for you. I want to make your financial
life as simple as possible for you and your family.
8. The advisor and the client need to be on the same team
advice is unbiased and my fee structure aligns my interests with the
interests of my clients in a win-win arrangement. I put myself on the
same side of the table as my clients and promise to always act in your
best interest. I am motivated to see your assets grow while at the same
time keeping them safe and protected.
9. Performance matters
many advisors hide from performance numbers and neglect to let their
clients know exactly what their investment returns have been net of
fees. I regularly report to my clients and never hide or mask from the
reality of the numbers. I set reasonable long term targets with my
clients based on their goals, risk tolerance and time horizon.
10. Transparency in fees
position on fees is that you will always know what you are paying for
the service that I provide. I can't promise that my fees will be the
lowest, but I can certainly say that the price that you pay will pale in
comparison to the value that I offer you as a trusted advisor.