"It's easy to sell clients a myth. But what they want from us is real, and we can deliver it."
The client-investment advisor relationship is built on trust. But is that trust misplaced? And how can clients know the relationship with their advisor is working?
Our founder, Regan Ervin, enjoyed investing. He was motivated by the possibilities and he'd experienced the benefits. But when he started to work in the investing industry professionally, he wanted more for clients than the common practice offers.
Typically, clients defer to an expert who has the freedom to manage their wealth. And all too often, the expert takes advantage of their powerful position, either by guiding clients to invest where it benefits the advisor most, or by diverting client attention away from catching on to underperformance.
But Ervin believes that clients can and should be actively informed while working with an advisor. Through their ongoing relationship, clients get a sense of what their wealth can accomplish. And the effects of this partnership permeates every aspect of clients' lives.
"What clients want is help imagining and customizing their futures," Ervin says. "Every time we make that future elusive, we delay the service we're being paid to provide."
Ervin developed a framework that builds client awareness of the market and puts clients in charge of their own outcomes. Clients utilize (rather than defer to) professionals like us, and we work hard to help them direct their money to accomplish their specific goals.
Our model of management- investment direction- is our answer to the industry's failure to act in the best interests of clients.
Our website offers pathways to industry knowledge, and we continue your education in person. But investment direction requires that you educate us too. One of our most important tasks is to learn about you, and discover how you define success.
We use our factor-based investing framework to manage your portfolio. Data and proof guide your investing, not a "pro's hunch". We're also a fee-only firm. This means no commission products. Ever.
As your investment director, we focus our portfolio management efforts where we can have the most impact. Then we use our creativity, leadership and tactical skill set to help you reach personal outcomes with your wealth.
Don't hesitate! Just use the form below to ask one. All our consultations are free!Yes, I Have a Question
Whole Life Insurance
A high-cost option for permanent life insurance that includes a death benefit and an additional saved amount to the covered person or their beneficiary at a guaranteed rate of growth.
Universal Life Insurance
A type of permanent life insurance. As permanent life insurance, it includes cash benefits to the covered person, but the amount of the benefit to the policyholder relies on market performance. The death beneficiary receives a set amount.
Permanent Life Insurance
A category of life insurance that doesn't expire. It also accrues cash value over time which the covered person may use at a later date.
A type of life insurance that covers a person for a set period of time.
An annuity is an insurance product that's used as an income stream for retirees.
Registered Investment Advisor
A registered investment advisor (or RIA) isn't a term for a professional—it's actually a term for a firm operating under fiduciary requirements. Employees of an RIA firm are called Registered Investment Advisor Representatives.
An investment advisor gives advice on investment decisions. There are different licenses advisors can hold, and some hold multiple licenses at once. The obligation advisors have towards clients varies by license.
Tax Loss Harvesting
Tax loss harvesting is a practice advisors and investors often employ to avoid excessive taxes on money made quickly in the stock market.
Initial Public Offering
An initial public offering (also called an IPO) is a transition a company makes when it becomes publicly owned via the stock market.
A ticker symbol is a few letters and/or numbers that symbolize an individual stock. They can be abbreviations or acronyms, but are also sometimes randomly selected.
"Interest on interest" — the money you make from interest makes your saved amount bigger over time, which means you'll make an even larger sum from interest the next year. Each year the growth of "interest on interest" spikes higher.
Diversification refers to keeping your assets balanced, both across asset classes and within asset classes. A diverse portfolio means less risk.
Alternative Asset Class
Alternative asset classes are any asset class outside the four major classes (stocks, bonds, real estate, and cash).
Security and Exchange Commission
The SEC is the government organization that regulates the investing industry.
A fiduciary is also an investment manager or investment advisor (RIA for short), but not all managers/advisors are fiduciaries. The term fiduciary communicates the advisor's formal obligations. A fiduciary is required to act only in the client's best interests.
An investment manager is someone who is licensed to manage clients assets and advise them how to invest their capital.
A stock (also known as a security) is a type of asset. Stocks are bought and sold on the public stock exchange.
A return is the amount of money you make from investing a particular asset or set of assets.
Investment risk is equivalent to how likely it is to achieve the outcome (or returns) that you're hoping for.
An asset class is a category of assets, such as stocks. There are four major asset classes and many more alternative asset classes.
Something that you purchase which you expect to have greater value in the future. Your investment portfolio is made up of individual assets.
Investing is the act of putting your time, effort or capital at risk, expecting that you'll get something of greater value in return.