How We Do It

How We Work With Our Clients

Defining Your Objectives

How We Receive Compensation

How Advisors Get Paid

How We Work With Our Clients

We can help you analyze your financial situation and assist with determining the best course of action for you.

Assess Your Needs

First, we will identify your investment objectives by asking you about your financial goals. We will also explore such issues as your risk tolerance, your tax situation, your investment time horizon, and whether or not you want to take current income from your portfolio. We help you to determine your goals by:

Establish A Plan

Next, we will help you develop an investment plan designed to achieve your goals. Included in the plan may be your expected investment returns, your ideal asset mix between stocks and bonds, and the general types of securities that are suitable for you. We help you develop a personalized path to goal attainment by identifying your important core value including your feelings and experiences

Implement The Plan

We will be responsible for the day-to-day management of your investment portfolio, choosing individual securities or mutual funds that meet your objectives, and executing trades on your behalf.

Monitor Your Investments

We will watch your portfolio and make adjustments as necessary. In addition to your regular investment account statements, you will also receive periodic updates to tell you how you are doing. We measure and monitor your success along the path by providing answers to:

Defining Your Objectives  

The following factors influence the way your investment portfolio is managed:

Risk Tolerance

Risk and return usually go hand in hand. The more you hope to earn, the more risk you must be willing to take.

Time Horizon

How long you plan to leave the money invested will determine your investment strategy. Generally, a long-term strategy is more flexible and may result in more consistent returns.

Income Needs

We will need to know if you plan to draw income from the portfolio.

Tax Situation

We will want to know your tax situation so the tax consequences of transactions can be minimized wherever possible.

Personal Preferences

If you would like to place any restrictions on investments based on your values, such as tobacco, alcohol, or any other concerns, please be sure let us know. 

How We Receive Compensation:

Unlike full-commission brokers, whose compensation is tied to trading activity or the sale of investment products, fee-only investment managers provide customized advice designed to help you meet your financial objectives. You and your advisor have the same goal: to help increase your net worth and achieve your overall investment objectives.

Because the advisor is the paid by assets they manage their incentive is to grow the account instead of generating new clients to sell products.  Fee-only advisors will work hard to maximize your portfolio performance because they receive more income as your account grows.

The benefits of fee-only investment management:

The following is our compensation schedule:

$100,000  -   $149,999         1.5% /year

$150,000 -    $499,999         1.0% /year

$500,000 -    $999,999          .85% /year

$1,000,000 - $1,999,999       .75% /year

$2,000,000 - $2,999,999       .70% /year

$3,000,000 - $4,999,999       .60% /year

$5,000,000 and above           .50% /year

We bill your investment account 1/12th of the above percentage each month based on your account balance.                                                                                                                                       

1100 S. Townsend Ave.,  Montrose, Colorado 81401      Phone: 970-249-9900    Toll Free: 877-422-4770    

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