We can work with your outside accounts on a consulting basis. For example, providing advice on your employer sponsored 401(K) or 403(B) plan. As an investment advisor representative, we offer fee based* investment advice on a contractual basis. We can assist in reviewing and consulting on your portfolio with you based on your risk tolerance and financial objectives, even when your choices are limited, like a 401(K) often is.
We have the ability to provide you with portfolio guidance, which can be helpful for those individuals who are not comfortable making investment decisions, who may not have investment experience, or who may not have the time to dedicate to their portfolios. Of course each client has the final say and full control over their accounts.
When forced to choose from a menu of selected investments, investors often equally allocate their funds across the 'best looking' choices. This can potentially be a critical error as the investor may end up being over allocated in a poor performer, or conversely, under allocated in a good performer. Additionally, this can also adversely affect the diversification and investment allocation of your portfolio. This is especially an issue when the investment decisions are based on the past results of the investment chosen. We work with our clients to review and select the most suitable investment choices based on their risk tolerance and financial goals.
When it comes to your largest retirement savings, like your employer sponsored 401(K) and 403(B), doesn't it make sense to have professional advice? We work with you to identify your goals and objectives, and then based on the investment choices available; we show you the most appropriate selections and options for you.
*In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part II as well as the client agreement. Asset allocation and diversification do not guarantee a profit nor protect against loss.