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Wealth Management
Fee-only, Goal-Oriented Investing
*Minimum New Account Balance of $500,000
Our Investment Philosophy
See how this aligns with our Mission, Values, & Culture
1. Start with a
Goal-Centered Plan
Our priority is helping you achieve goals, not chasing unrealistic returns.
We align client investments with clients appetite for risk.
We conduct our due diligence on the investments we recommend.
We try to avoid market bubbles and view market corrections as opportunities.
Transparent
Wealth Management Services
The plans above have a single low asset under management fee (AUM). There are no hidden fees, no trailing fees, and no trade commissions. Custodians may have additional special servicing fees for services like wire transfers.
What is Wealth Management? Read about it here.
Other Wealth Management Tools
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T. Mann Financials' Wealth Management
Customized Portfolios
An integrated, customized solution that goes beyond simple asset allocation.
We have the independence to offer Alternative Investments to accredited investors and are well positions to offer our clients the tools they need to help protect their assets.
How are you prepared for a market downturn?
Click here to get a complimentary Portfolio Analysis
Our Investment Methodology
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Start with the client's goal-oriented asset allocation.
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Determine the appropriate account type (tax-advantaged or taxable).
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Filter out expensive mutual funds (see why below).
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Filter out funds with low volumes (this improves liquidity).
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Filter out funds with high expense ratios (lowers the cost of ownership).
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Select the 3-5 funds in each asset class.
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Compare the performance, yields, holdings, etc. of the funds.
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Review to make sure no over-weighting took place.
We build portfolios using technology that matches your risk tolerance
Risk Scores: Allow us to build customized portfolios
Risk Score: 75
Portfolios Can Include:
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Stocks
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Bonds
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Index Funds
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Exchange Traded Funds (ETFs)
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Alternative Investments
What sets us apart
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The independence to offer a full range of investment options.
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100% Fee Transparency
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No 1-800 numbers, just real people
Why we prefer ETFs to Mutual Funds
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ETFs typically have much lower expense ratios (ongoing expenses).
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ETFs have no up-front or deferred sales charges (up to 8.5%).
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ETFs have no ongoing 12B-1 fees weighing down on returns.
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ETFs are more liquid because the are traded on the market and don't have surrender charges.
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ETFs are more tax efficient because less trading is done inside the accounts.
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ETFs have no minimum initial investment requirements beyond the value of a single share.
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ETFs tend to have higher returns than their mutual fund equivalents because of their fees.
Link to the FINRA Fund Analyzer Tool
This web tool allows you to compare the costs and fees of different mutual funds and ETFs to help make informed investment decisions.