Absolutely! we act as a fiduciary on all our account relationships. For those needing Insurance solutions, we also offer brokerage services as a complementary service.
We favor investments that have the potential to improve the risk adjusted returns. We use low-cost, tax-efficient Exchange Traded Funds, High Quality Individual Stock and Bond Portfolios along with all the traditional Life, Disability & Long Term Care insurance products issued by “A Rated” carriers.
Our Investment Philosophy is one consistent with your Investment Policy Statement. Each Client has different Financial Goals & Objectives and should be given a Philosophy built in and around those corresponding with your short- and long-term retirement goals. We always work within the frame work of your Financial Plan.
We are a Fee Based planning firm. We typically charge 1.10% annually on the size of the investment portfolio that we manage for you but discounts do apply for larger balances or multiple accounts. Any Insurance product that is used will inevitably pay a commission to the Advisor. All Fees & Commissions will be disclosed upon request
Our initial minimum is $250,000 however we do maintain limited relationships on a commission basis for select applicants so please contact us to determine if this may be an option available for you.
We do not focus on business-only clients. Our focus is on individuals and couples, and on some occasions those individuals happen to own their own business.
NO! We work with many Clients that have relocated and many newly acquired Clients that are considered Non-Local to San Diego. With so much technology we can advise and manage Clients around the country. We are approved to work in most States providing Investment & Insurance services.
No, unfortunately we can not however, we can establish a Financial Planning Agreement and work together on an hourly or monthly Fee basis. This would include advising on all your Financial Affairs, including those that we do not execute trads on. Any Recommendation will be consistent with your Financial Plan.