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FINANCIAL PLANNING
Our mission is to enable you to evaluate and understand your current financial situation, figure out where you want to go, and plot a course to get there. A financial plan isn't a merely document or a set of recommendations; rather, it's a dynamic and constantly evolving process that mirrors the inevitable shifts, transitions, and changes in your life and financial affairs. As a steward of your financial well being, we fully appreciate the trust and confidence you place in us. We're deeply committed to providing sound, informed, caring advice and vigilant, attentive counsel to each and every client.
Our initial consultation is free and thereafter, planning and consulting services are billed at an hourly rate of $150. And because we don’t accept commissions or sell products, you know that what you’re buying is simply good advice.
PORTFOLIO MANAGEMENT
Financial planning and investment management are interrelated. The financial plan informs investment decisions; investment decisions support the goals and objectives of the plan. When this simple principal is understood and accepted, good things happen. This is why we spend so much time getting to know you and your particular situation, goals, and aspirations.
While do-it-yourself investing works for some, it's been our experience that most people could benefit by working with an advisor. Perhaps that's more evident now that the equity markets have shown that they can take away as well as give. There is rarely an instance that our fees aren't completely covered simply by eliminating inefficiencies in client portfolios, but the real value of our services lies in superior risk-adjusted performance, increased peace of mind, and savings of your most valuable asset: time .
Reducing expenses and increasing tax efficiency are the best way to improve performance. We'll find you tax-efficient investments that don’t carry any hidden expenses – like sales loads or excessive management fees.
When you work with us, you’ll get a full and frequent accounting of your investments. In addition to regular monthly account statements from Ameritrade Advisory Services, we provide you with consolidated reporting and quarterly analysis. No more unintelligible brokerage statements. You will know exactly how your money’s performing based on performance benchmarks we’ll establish for the life of your investments.
Our investment advisory services are "fee-only;" that is, they are calculated based on the value of the assets we manage for you:
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ASSETS UNDER MANAGEMENT
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QUARTERLY FEE
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$0 - $500,000
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.25%
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| $500,000 - $1 Million |
.1875
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| $1 Million and up |
.125%
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Fees are payable quarterly in arrears and automatically deducted from your account; a minimum quarterly management fee of $250 is charged on aggregate accounts totalling less than $100,000. Fees paid to Capital Capital Advisors are generally tax deductable (but please consult your tax adviser to make sure).
AT YOUR SERVICE
Since we don't charge commissions or sell anything but advice, we live and die by the quality of the services we offer. Management of your portfolio is always in the service of the goals and objectives outlined in your financial plan, enabling you to make investment decisions with confidence and peace of mind.
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