Our Depth of Experience is Your Asset
One of the benefits of being involved in investment services since 1981 is our long-term perspective in appreciating and understanding the markets. It is with this perspective, as we have endured different market cycles, economic environments, changes in investment securities, and regulations, that we apply our knowledge to our client’s portfolios. We do not invest your money until we have a clear understanding of your financial background, objectives and concerns.
A Focused Approach
There have been a lot of changes in investing over the years, but the basics remain the same. Our investment philosophy is a consistent, disciplined approach that weathers the gyrations in the markets. We call it an “All-Weather” strategy that is rooted in research and goal-based to meet your objectives. It begins with:
Reviewing your current investment portfolio
Identifying an asset allocation appropriate for your cash flow needs, time horizon and risk tolerance
Identifying appropriate titling of your accounts
Tax ramifications of types of accounts and holding certain positions in these accounts
Diversifying using efficient, low cost, no-load investments
Ongoing monitoring and rebalancing of your portfolio
Timely communication to review performance and adjust as needed
Our Structure Provides Transparency
As a fiduciary, an independent and fee-only firm, we work in your best interest, not the other way around. We do not sell investment products and we do not accept any compensation from other third parties (commissions, referral fees, etc.). We are compensated solely by our clients.
What Our Clients Receive
+ Construction & Investment Selection
Clients investment accounts are place with our custodian, TD Ameritrade. Each client maintains full control of their accounts. This saves our clients considerable time and expense associated with all back office activities.
We are able to select from a broad list of fixed income, no-load mutual funds and exchange traded funds (ETF) to provide diversification in our client’s accounts. We maintain a list of approved investments based on the following criteria:
• Lower expense ratios
• Stable investment managers
• High returns within peer groups
• Lower than average risk (volatility), etc.
Our database of investments is updated monthly and we review our recommended investment list throughout the year. In all cases, we strive to minimize transaction costs for our clients.
+ Quarterly Investment Report
To expedite and communicate the performance of your investments, we provide a quarterly report with a complete list of your accounts, their values and your overall asset allocation.
This report allows us to track your performance against the client’s targeted asset allocation to ensure compliance with the investment plan, to determine if your portfolio is performing in alignment with where it should be, and more importantly, with your goals.
+ Access to Portals
As an Investment Management client of AFP, we provide access to two different portals on our website under the Client Login button.
One is to our custodian, TD Ameritrade. This portal provides access to the accounts held at our custodian, including monthly statements, trade confirmations and tax reporting documents. It also gives real-time access to your individual accounts and other market related information.
The second is access to Orion. This provides reporting information for TD Ameritrade accounts as well as any accounts held-away from TD Ameritrade. This is where your total portfolio can be viewed. Reports generated for our clients will show performance over different time-frames, and how the portfolio is performing against different benchmarks. Realized and unrealized gain/loss reports can also be generated.
The path that leads to financial success includes detours along the way.
Allow us to be your co-pilot.