Who can benefit from unbiased investment advice?

• Do-it-yourself investors can get professional advice without transferring accounts or a sales pitch

• Small investors can get professional advice and be taken seriously and will not be neglected

• Large investors can make sure they are getting their money's worth of financial advice and service with their current "advisor"

• Corporate retirement plan (401(k), 403(b), etc.) participants can get the advice they need to build a tailored portfolio for their future

HOW MUCH are you really paying your "financial advisor/commission salesperson" who doesn't even call you? Did you know he/she is making money from you if you have your mutual funds held with his/her bank or brokerage firm? With the popular "level-load" mutual fund or "C" share, they will usually make 1% upfront after the sale and 1% annually for as long as you stay with the firm. Therefore, if you have $100,000 in mutual funds at 1% commission, you are actually paying your "financial advisor" $1,000 per year. 

Did you know that? Most likely you didn't know, since you don't get a bill for $1,000 in the mail. It is taken directly out of your investment by the fund family to pay the advisor. If the fund made 10% that year, you would only get 9% (less other fees) and there's the smoke screen - you feel cozy with 9%. Who wants to explain a $1,000 charge that is mailed to a client every year anyway? Not the advisor, nor the firm, nor the mutual fund company because they want you to stay invested, so they keep getting paid without you questioning the service you deserve.

Some advisors will "advise" you to purchase mutual funds shares which charge you 5% upfront commission to them. Do the math, if you deposit $100,000 cash, the "salesperson" will receive $5,000, and you actually only invest $95,000 (and the mutual fund still deducts a percentage from you every year to pay the "salesperson" annually. On top of that, you have to pay other fees to the mutual fund that you don't even see). So what are you getting for that $5,000 commission you just paid? 


WHAT HAS YOUR ADVISOR DONE FOR YOU LATELY? Is your "advisor" reviewing your portfolio at least annually? Quarterly, if you have over $100,000? What do you expect for paying $1,000 a year? He may be getting paid alot to do nothing. Do you only get a call when your "advisor" is trying to sell you a new investment for his/her commission? There is absolutely nothing wrong with that as long as they are offering the investment with your best interests in mind and NOT theirs. But think about this, if you go to any bank or brokerage firm with some money to invest, you will get a different sales pitch from each and every one of them. What investment do you end up buying? You'll probably go with the salesperson that you liked the most, but you still won't know if that "product" he/she just sold you was good for you.

YOUR CORPORATE RETIREMENT PLAN ASSETS fail to receive proper financial guidance because "financial advisors," brokers, and other financial sales people CANNOT EARN COMMISSIONS ON THOSE ASSETS UNTIL YOU ROLLOVER YOUR ASSETS to THEIR FIRM! If you are a candidate, this means you are changing jobs, suffering a lay off, or enjoying retirement.  Rest assured, they will be there to give you "advice" (AKA - try to sell you something) when your nest egg has already grown substantially, but I would have been there from the beginning, helping you build your retirement dreams while others will not.

LOOK FOR UNBIASED AND OBJECTIVE ADVICE from someone not paid on commissions when they sell you an investment.

• The Financial Physical- Asset Allocation Advice for your current investment portfolios (taxable accounts, retirement accounts-IRAs, 401(k), 403(b), etc.) and what your consolidated investments looks like today.

• The Second Opinion- Analysis and opinion of proposals you have received while "shopping" for an advisor to invest your hard earned money. I'll make sure the advisor earns his commission from that sale.

• The Prescription- Investment direction proposals for your corporate retirement plan (401(k), 403(b), etc.) if you are starting new or want to reallocate your choices based on your risk tolerance and timeframe, I will analyze each investment available in your retirement plan and propose the best mix to reach your goals.