|
Most investment firms are motivated by commissions and hidden fees. We believe that a significant conflict-of-interest is created by commissions. We do NOT accept any commissions. Therefore, we are able to maintain objectivity when designing an investment portfolio.
Your portfolio will be designed and managed based on your unique objectives and expectations. We take the time to educate our clients about the investment process and thoroughly explain our recommended portfolio strategy. Our principles of complete disclosure, rigorous cost control, freedon from conflicts of interest, and total integrity may not be compromised under any circumstances.
Our institutional-quality portfolios are managed like most large pension plans. This means that we monitor both performance and costs. We are able to design lower risk/lower volatility portfolios that have very predictable behavior.
We carefully design a strategy, designed to meet your objectives. Our objective is that you have an appropriate strategy to meet your goals, understand how that strategy will perform in good times and bad, have reasonable expectations, and have confidence in the plan you have adopted.
My minimum account size is $300,000.
I require a minimum account size to effectively and economically diversify our clients using institutional funds. I feel that I would not add sufficient value to accounts below my minimum to justify my fee. I employ a tiered fee schedule with progressive discounts depending on account balances.
Custody
The security and integrity of client funds is an overriding consideration in the selection of a custodian. Retirement Planning Advisors never holds client assets. We have an agreement with some of America's largest discount brokerages to provide custody, record keeping, and reporting services for our clients.
The custodians maintain a combined SIPC and commercial insurance of at least $100,000,000 per account against loss shares or failure of the brokerage.
The custodian directly provides the client with confirmations of each purchase, sale, or disbursement, a monthly statement, and consolidated tax reporting at year-end.
I am not an employee of the custodian, and receive no compensation from them for placing trades through them.
Reporting
You will always know how your assets are doing under my care. Retirement Advisors, Inc. provides detailed performance reporting on a quarterly basis.
|