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Will I?

Will I have enough money to live the lifestyle I want?

When can I relax and be less stressed about financial issues?

Will I ever be able to afford to retire?

Will America go through another crisis like 2008/09?

Services

We use our experience and insight to follow a fact-based global approach that works in good times and bad to give you the peace of mind you deserve.

We give you the tools you need to live a hassle-free life – the good life! Let your money work as hard as you do.

We have a history of success with an unwavering commitment to you.

You are in control. You will be financially secure.

Process

We are fiduciaries, all the time.

We use a fiduciary process to create your plan and build your investment portfolio using exchange-traded funds (ETFs) and mutual funds from Avantis, Dimensional Fund Advisors, Vanguard, iShares, and other funds that make the grade.

We monitor your investments to make sure they stay aligned with your needs and goals. We make the necessary changes, so you don’t have to.

Beliefs

You cannot beat the markets by guessing tomorrow’s news.

A structured investment approach will add value with a higher reliability and confidence level than one based on guessing. 

We diversify across global markets based on our clients’ situations and needs, buying funds that are low-cost, tax-efficient and have a proven track record of success.

Costs

Being fee-only, we have no products to sell except advice.

Here is our current fee schedule:

First $1,000,000……………………………………………………. 1.25%

Next $1,500,000 ……………………………………………………. 1.00%

Next $2,500,000 …………………………………………………. 0.80%

Next $5,000,000 ……………………………………………………. 0.60%

Above $10,000,000 …………………………………………………0.50%

Clients

Our ideal client:

  • is a retiree or pre-retiree who enjoys open, honest, and genuine personal relationships.
  • prefers hearing the truth about their situation.
  • commits to implementing a written strategy.
  • wants the freedom and simplicity of having a Financial Advisor.
  • is a true financial “delegator” who looks for, respects, and follows professional advice.
  • acts based on disciplined financial planning objectives instead of reacting to changing world events and outside opinions.
  • is comfortable with our fee structure based on investment assets of $500,000 or more.

The Other side of the Equation

Are our fees worth it? You decide:

  • According to this research paper by Vanguard, an advisor adds “about 3%” per year.
  • In this one by Morningstar, an advisor adds about 20% more in annual retirement income when they do some things that advisors do.
  • In this one by Russell Investments, it’s 4.81% per year.

We know the items spelled out in these papers and use them to help our clients have retirement security.

Planning Your Estate

While most advisors refer you to outside attorneys, Michael Garry is a licensed attorney who has been implementing estate plans for years.

You don’t have to use Michael for your estate plan, but you can.

Creating an estate plan integrated with your financial plan may be easier and more cost-effective.  

Michael is licensed in Pennsylvania and New Jersey, and of course, legal fees may be in addition to fees for investment advisory services.

Please call or text us at 267-573-1019 to find out more.

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