Our Services 

We provide buy and hold strategies, with periodic balancing utilizing low-cost, no-load index mutual funds and exchange-traded funds (ETFs).  Our systems attempt to capture the returns of well-defined asset classes that have historically provided adequate returns for the risks undertaken.  We strive to provide for every investor an appropriate asset allocation plan that utilizes diversified and, to the extent feasible, low-correlated asset classes without attempting to time the market.

We attempt to maximize the number of diverse asset classes in our various portfolios so they will include U.S. and international equity and fixed income funds, as well as alternative asset classes to achieve both diversification and create the opportunities for meaningful rebalancing.

Our fees are as follows:

  • One-time $200.00 initial consultation fee

  • One-time fee of 0.5% of assets placed under management for initial investment strategy implementation. This fee covers the first quarter.

  • Annual management fee (beginning in the second quarter) is determined as follows:

1.0% per year on the first $500,000, plus

0.8% per year on balances from $500,000 to $1,000,000

0.6% per year for balances in excess of $1,000,000

The above rates are subject to a minimum quarterly fee of $250.