| 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 on the time and effort required, they are typically substantially lower than our
competitors' fees.
What types of analysis techniques do you employ?
Fundamental analysis techniques are used for individual stocks. Consideration is given to cyclical
influences, however, 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
variable annuities. 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)?
One of our objectives is to educate clients to be self-sufficient. Help in re-balancing portfolios can be
provided at a fixed hourly rate on a quarterly, semi-annual or annual basis. In some cases, after client
approval, we implement buy/sell recommendations for clients via a limited power of attorney.
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 on the time and effort required, they are typically substantially lower than our
competitors' fees.
What types of analysis techniques do you employ?
Fundamental analysis techniques are used for individual stocks. Consideration is given to cyclical
influences, however, 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
variable annuities. 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)?
One of our objectives is to educate clients to be self-sufficient. Help in re-balancing portfolios can be
provided at a fixed hourly rate on a quarterly, semi-annual or annual basis. In some cases, after client
approval, we implement buy/sell recommendations for clients via a limited power of attorney.
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