Helpful Shortcuts

Why Fee-Only Is Best

Investment advisors either get paid by a flat annual fee that is a small percentage of your portfolio under management, or they charge a commission for every fund they buy or sell for you.

Think about the incentives for the commission salesment. If they get paid every time they make a change, they are motivated to make changes, perhaps just for the sake of change. And, if they are part of a larger sales organization, they are often encouraged by their managers to meet monthly sales quotas.

With fee-only advisors, like myself, my incentive is exactly the same as yours: make your portfolio grow and become as large as possible. Even if you buy a fund or other product through me that does pay me a commission, I simply pass that back to you so that you pay only the amount of your regular fee.

So, if you really need a new or different fund, you can be sure I’ll make the change for you. But I will never just churn your funds for the sake of change.

Benefits to You:

#1 No unexpected costs.
With commission-based salespeople, you pay every time your advisor makes a trade or exchange. That means your advisor has an incentive to keep finding different deals for you because that’s how he makes his money.

#2 No conflict of interest.
Experts recommend fee-only planning for investment portfolios. Just as doctors don't make money from the drugs they prescribe, I don't get commissions from the sale or purchase of investments that I recommend. I’m working only on your behalf. There is simply no other way to avoid the inherent ethical conflict of commission-based advice.

Please read on to discover more About Us.

Turn Your Investment Problems
Into An Opportunity!

By the time you reach retirement, your 403b, IRA or 401k account will likely be your biggest financial asset. These tax-advantaged plans offer unmatched opportunities to boost savings and defer taxes.

Yet, for many people, these plans are often their biggest financial headache. This is often due to inattention, uncertainty about risks and costs, and having nowhere to turn for help.

Your employer isn’t responsible for the success of your retirement fund; their role is simply to make available an array of investment choices. It remains your responsibility to avoid underperforming investments and select the best choices. So, it's up to you -- do you want to do it all by yourself, pay someone a commission each time they make a change, or hire a fee-only expert to work on your behalf?

Do you have the tools to push your plan to its highest performance?

Do you know:

• The single most important decision to maximize performance?
• How to build a core group of consistently excellent fund choices?
• How and where expenses are hidden, and how to avoid or minimize them?
• How to protect your accounts in both up and down markets?

Help is available.
I will teach you the basics of sound investing and help you implement strategies for growing and protecting your portfolio.

If you decide that you don’t have the time or desire to exercise personal oversight of your investments, you can hire me to provide continued review, guidance and reports.
Here’s how to start:

NO hype, no commissions, just the facts.

Learn how to find the top-performing funds. With thousands of mutual fund choices available, I can help you pick the best funds for your portfolio.

• Consistently excellent no-loads
• Socially responsible funds
• Fidelity
• Schwab
• Vanguard

As a fee-only expert working on your behalf, I promise you the focus and attention needed to help you grow your investment portfolio. See how my services can help you achieve your goals.

Free First Consultation

Unsure of how to get started? If you have an investment portfolio of at least $100,000, just give me a call and we can meet for an initial review at no cost to you. (518) 935-2575..

403b Deadline Alert!

At the end of 2008, the federal government will severely restrict your investment options. See how you can act now to protect your right to choose the investments you desire.
Click Here for Details.

Think of Your Family

You've been working hard all your life and your family has grown. Are you ready to meet their needs? A good investment advisor can help you preserve and expand the value of your portfolio.

Now is the time to ask for a professional consultation from a financial expert.

Prominent Doctor Reports:

“Rob has guided me in my investments and done extremely well. I enthusiastically recommend his services.”

--Dr. Heidi DeBlock

Note: this is not a testimonial nor a promise of similar results for you, merely a letter and photo from one of my clients. R.McK