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"I have seldom been able to recognize an opportunity
until it had ceased to be one." ~Mark Twain
You can count on us to tell you what we think,
not what we think you want to hear.Our Experience
With 20+ years of experience as a Director of Finance/Controller & Director of Financial Planning we have in-depth understanding of most of the numbers driving financial reports and the objective thinking that is required in order to make sensible decisions. We actively study and use the Investors Business Daily Trading System. We have spent years studying other investment styles, and have found this to be the most reliable and profitable. We have been actively trading stocks for many years and have learned almost all of the big pitfalls and mistakes to avoid. With a broader view of "diversification" we are able to recognize that a high percentage of financial planners including CFP's and Brokers are making recommendations to clients based on investment tools which worked in the past, but may not work in the future.
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Our Style
We do not have a "cookie cutter" approach and recognize that every investor is different and will likely have different levels of comfort with different strategies. We favor individual stock selection for the equity positions in a portfolio which avoids the poorly performing stocks in any portfolio and tends to help us select the superior stocks. We believe in some use of ETFs (Exchange traded funds). These have many of the advantages of mutual funds without many of the disadvantages. We also consider recommending other asset classes other than the typical stocks, bonds and cash that will provide safety and diversification to a portfolio and reduce volatility. This may include for example, foreign stock purchases, commodities, currencies and perhaps other assets. We avoid mutual funds for dozens of reasons including:
High fees for typical mediocre performance
Investors chase top performers which leads to disappointment.
Style obsolescence (one style may work extremely well in one environment and poorly in another).
Sales leading to tax liabilities.
Failure to "weed the garden".
Poor timing of purchase.
Purchase of 2nd/3rd tier stocks, because of the size of the fund.
Slow selling in rapid changing conditions.
Most importantly, the vast majority of the time, a fund's size and lack of flexibility arithmetically guarantee mediocre performance in good markets and poor performance in down markets.
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Working With Us
We place a high value on quality service and recommendations to each and every client and are usually available on very short notice to answer questions and discuss strategies which is not typical with most other types of investment relationships. We will make mistakes which is an integral part of investing; even the most legendary investors will relate the big mistakes they have made. But we will make an effort to limit the damage by use of stops, "averaging in" and "hedging" techniques. Absolutely no conflict of interest.
We are one of a small number of companies in this State licensed as a Registered Investment Advisor.
We do not take fees from any other source which might influence our decision making to a client's detriment.
We will sign a fiduciary agreement because in practice and as required by State law, we must act in the client's best interest at all times. Almost all other advisors rely in part or totally on commissions which tend to skew one's recommendations.
When we recommend a trade you don't have to walk away wondering what the real reason is for the recommendation.
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Fees
If you reach an agreement with us, you are likely to pay less in fees than you did prior to the agreement. We have one fee, a fee for ongoing advice only. We do not receive a nickel from any other source. Some fees that you may be paying currently may be reduced or disappear if you follow our recommendations are:
Broker sales charges on mutual funds purchases.
Fund switching or redemption charges on exit.
High cost commissions on idividual security purchases/sales.
Hidden commissions.
Extra fees for "break points" on fund diversification.
Contact Us
Please us the form below or call us at: 715-579-8125 Jump to Top
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