We are able to select from a wide variety of fixed income, equity and other investment categories to provide diversification in our client accounts. Using only no-load (no commission) investments, we maintain a list of approved investments based upon several criteria:
- Lower expense ratios
- Stable investment managers
- High returns within peer groups
- Lower than average risks (volatility), etc.
Our database for selecting investments is updated monthly and we review our recommended investment list throughout the year. Our custodian has available one of the largest supply of no-load investments in the industry. Some individual investments may have small transaction fees such as the purchase/sale of government securities or some mutual funds. However, these fees are charged by the custodian and we do not share in any of this activity. In all cases, the firm strives to minimize transaction and holding costs for our clients.
All clients receive monthly statements and transaction confirmations directly from the custodian. The firm also communicates the status of client investment accounts through our quarterly reporting process. This not only includes a list of investments but also a performance report and our commentary on your accounts. In addition, we also contact clients frequently by telephone, email or through face-to-face meetings to discuss your accounts.