| Frequently Asked Questions |
Who are your typical clients?
Individuals who want to take more control over their financial affairs.
What types of investments do you recommend?
Money Market funds, CDs, Treasury Bills, corporate bonds, exchange-traded funds and a variety
of low-cost no load mutual funds and index funds. Retirement account recommendations are also
provided.
How do your fees compare to your competitors?
Since our fees are based primarily on the time and effort required, they are typically substantially lower
than our competitors' fees.
What types of analysis techniques do you employ?
The primary emphasis is placed on diversified asset allocation techniques utilizing no load mutual funds.
Morningstar’s® premium services are used to research stocks, mutual funds and other investments. A
variety of other Internet sources, as well, are used to analyze holdings.
Do you believe in trying to time the market?
No, long term investing is emphasized. Clients choose a target portfolio they can be comfortable with in
up and down markets. Periodical portfolio balancing is stressed, without trying to time the market.
Why don’t you provide day-to-day ongoing management of client’s assets for a fee
(e.g. 1% of assets, like so many other planners are doing)?
We believe that annual, and in some cases semi-annual, portfolio re-balances are sufficient, especially
since we recommend broadly diversified, low-cost no-load mutual funds. We monitor our recommended
funds and notify clients in the event we decide to discontinue recommending a specific fund. Our
approach allows us to charge lower fees and minimize unnecessary transaction fees.
Individuals who want to take more control over their financial affairs.
What types of investments do you recommend?
Money Market funds, CDs, Treasury Bills, corporate bonds, exchange-traded funds and a variety
of low-cost no load mutual funds and index funds. Retirement account recommendations are also
provided.
How do your fees compare to your competitors?
Since our fees are based primarily on the time and effort required, they are typically substantially lower
than our competitors' fees.
What types of analysis techniques do you employ?
The primary emphasis is placed on diversified asset allocation techniques utilizing no load mutual funds.
Morningstar’s® premium services are used to research stocks, mutual funds and other investments. A
variety of other Internet sources, as well, are used to analyze holdings.
Do you believe in trying to time the market?
No, long term investing is emphasized. Clients choose a target portfolio they can be comfortable with in
up and down markets. Periodical portfolio balancing is stressed, without trying to time the market.
Why don’t you provide day-to-day ongoing management of client’s assets for a fee
(e.g. 1% of assets, like so many other planners are doing)?
We believe that annual, and in some cases semi-annual, portfolio re-balances are sufficient, especially
since we recommend broadly diversified, low-cost no-load mutual funds. We monitor our recommended
funds and notify clients in the event we decide to discontinue recommending a specific fund. Our
approach allows us to charge lower fees and minimize unnecessary transaction fees.
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