FAQ’s (Frequently Asked Questions)
Do you provide your clients with customized portfolios?
Yes, we provide our clients with customized portfolios if none of model portfolios suits their needs.
May I household my accounts?
Yes, you may household accounts.
How do you meet with your out of town clients?
If necessary, we will set up a meeting to go meet with the client.
Where will my assets be held?
Client assets will be held at the brokerage firm of your choice, such as Charles Schwab & Co,. Inc. or TD Ameritrade.
Do I have access to my account once under your advisory?
Yes, you may access your account via online. This service is provided to you through our custodians, Charles Schwab & Co., Inc. and TD Ameritrade.
What is your portfolio methodology?
We apply a passive investment strategy utilizing index funds.
Do you offer your asset management services to 401K plans?
Yes, we offer asset management services to 401K plans. Please contact us for more details.
How do you determine the benchmark index?
It will be determined by using broad indices such as S&P 500, Russell 1000, Russell 2000, and etc. Allocations of each index will depend on the model folio chosen.
Are you a DFA approved advisor?
Yes, we have been a DFA approved advisor since 2006.
What if I am dissatisfied with your services?
If you are dissatisfied at any point with our services, you may de-link as an advisor at anytime, and you will not be charged for remainder of the year.
Are the transaction costs included in the annual fee?
No, the transaction fees charged by the custodians are in addition to the annual fee.
What other services do I receive with the flat fee?
We provide quarterly performance reports, portfolio monitoring, basic portfolio rebalancing, account alerts, semi-annual teleconferences, and secure internet account access.
Do you provide wealth management services?
Yes, we offer wealth management services at an additional hourly rate of $150.
Do you receive any kick-backs for using Charles Schwab & Co., Inc., Fidelity Wealth Institutional Services, or TD Ameritrade?
No, we are not compensated by our broker/dealers. We are compensated strictly through management fees charged to our clients.
Do you charge the fee monthly, quarterly, or annually?
The fee is charged at the end of each quarter. It is prorated on a monthly basis.