What Matters to You

Fees Matter

We believe very strongly that fees matter and investors should know exactly what they are paying in real dollars. High cost advisors and expensive investment products create a significant drag on investor returns. In today's low interest rate, low expected return environment, controlling costs becomes even more important.

"Beware of little expenses. A small leak will sink a great ship."- Benjamin Franklin

**Mutual fund fees - internal expenses are on average 1.25%, the client could pay 0.03% for a similar product.

Taxes Matter

It’s not about what you make, it’s about what you keep.

There are taxes on everything – every product and service we use is taxed. We focus on tax efficiency; we can miƟgate the unnecessary taxes.

Nothing is certain except death and taxes.

We believe in minimizing the impact of taxes. Most investors, and a surprising number of financial professionals, focus on the pre-tax return a portfolio generates while ignoring the real drag taxes can place on net portfolio performance. Some of the most common investment mistakes include overlooking asset location, generating too much trading activity, and disregarding tax efficiency while selecting the investments within a portfolio.

Discipline Matters

If you know what to do and you don’t do it, then it doesn’t get done. That’s why it maƩers..

Financial discipline is the act of setting specific monetary (spending and saving) goals and measuring oneself against how well they are achieved. Once that financial discipline is established, a person can take further steps to becoming financially independent.

Transparency/ Removing conflicts of interest matters

On our initial consultation we tell clients the pros and cons of what we do. Sevices, products, etc. We talk about what you will pay and what you get. We site disclosures you are obligated to know. We want to earn you trust, and want to actively work with us with trepedatdion. We want you understand our investment philophy, our values, our tools.

Diversification/Risk Matters

Our purpose is understand your comfort lever. To make sure you sleep well at night. We manage risk and manage to your risk tolerance To use investments that do not necessarily correlate with each ; that swim in different pools. We know that most clients portfolio struggle over “over-diversification”. The investments they own overlap or often are the same with a different name.