We see our client relationships as long term partnerships with the goal of positioning our clients to have the best investment and financial experience possible. We believe the best way to achieve this goal is through consistent messaging and implementation of our disciplined investment approach.
We are among a small fraction of all financial advisors who, as fiduciary advisors, are legally required to place the interest of our clients ahead of our own and, as evidence-based advisors, build our investment approach on the findings of leading academic researchers.
Our client relationships encompass all of areas of their financial lives. While investment management is part of every client relationship, depending on client needs, other areas of focus include employer retirement plans, college funding, retirement income planning, estate planning, risk management & insurance and tax planning.
Client assets are held in brokerage accounts in their name at TD Ameritrade Institutional (a subsidiary of The Charles Schwab Corporation).
We are fee-only, meaning we are compensated solely by fees based on a client’s assets under management. We do not accept commissions, sales loads, 12b-1 fees, revenue sharing, profit participation, referral fees or any other type of compensation. We are true advisors not financial product salespeople.
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