We provide low-cost, mostly indexed, investment advisory and educational services to institutions, retirement plans and individuals. We are a fiduciary and are legally required to act in your best interests (not all advisors are, however).

Find our more about what we can do for you, below.

We create customized portfolios for individuals and families that include:

  • A comprehensive Financial Plan,
  • Risk assessment,
  • Annual review meetings,
  • Quarterly statements,
  • Web access,
  • An Investment Policy Statement (IPS),
  • Rebalancing, and
  • An annual cost review

All services are provided within the framework of our investment philosophy which emphasizes a low-cost and long-term approach to managing money.

We manage all types of accounts:

  • Traditional / Rollover IRA,
  • Roth IRA,
  • Individual / Joint accounts, and
  • Trusts

The stakes for managing a defined contribution plan - such as a 401(k) - have never been higher. New and changing regulations, along with more complicated investment options and the ever present threat of lawsuits make managing plans an unenviable task.

We provide your firm with:

  • A named Fiduciary under ERISA section 3(21) or 3(38),
  • A comparison of recordkeepers,
  • Investment selection & monitoring, 
  • Fee analysis & benchmarking,
  • Retirement plan participant advice & education, and
  • documented fiduciary processes 

While we can't entirely eliminate the workload or your legal responsibilities, we can significantly lighten them while also insulating you from legal actions. Our well-documented processes, acceptance of fiduciary duty with respect to your plan and an industry leading focus on managing costs are ever more critical in light of the April 2016 ruling by the Department of Labor (DOL).

For institutions that would rather focus on their core business, we offer outsourced investment capabilities. 

Our long-term focused, strategic investment process utilizes a mostly indexed approach, with active investments rounding out portfolios where both appropriate and cost effective. 

Your needs dictate whether you hire us as an advisor (non-discretionary) or investment manager (discretionary) or on a consultative basis.

For investment advisors specifically, we offer model portfolio built to your risk/return specifications. Services include:

  • Creating an Investment Policy Statement (IPS),
  • Asset allocation creation,
  • Investment selection & monitoring,
  • implementing portfolio decisions (trading),
  • risk management,
  • Ongoing oversight, and
  • Performance reporting