FAQs

Since 1977, we have provided a professional and disciplined approach to investing our clients’ portfolios. Working individually with you, we develop a set of personalized investment guidelines designed to meet your unique goals. Based on those guidelines, we continuously monitor and adjust your investments to protect and steadily grow your valuable nest egg. Our clients appreciate the peace of mind knowing their wealth is being carefully invested by a team of seasoned investment professionals. Our investment management clients also receive complimentary, comprehensive financial planning services.

Our fee-only incentive based compensation structure is designed to align our interests with yours. We do not receive compensation from commissions and strive to keep transaction costs low. Our graduated annual percentage fee (0.70% – 1.00%) is customizable, based upon your investments under management. 

As your investment advisor we continually “stress test” your portfolio to help protect you through major declines. Stress testing means thinking a step ahead to protect your portfolio and better shield yourself from a bear market decline. Active asset allocation shifts to reduce stock exposure during hazardous market conditions is a decades long hallmark of our investment process. Secondly, only holding higher quality stocks with above average dividend income further should protect your investment portfolio from large declines. We believe the end result is a much more favorable and tolerable path to protect and grow your wealth over the long run.

Academics and investors have debated over the superiority of a passive investment strategy versus an active investment approach for years. First, let’s clear up the confusion surrounding active investing. As fee-only investment advisors we believe “active” is best defined as meaning active risk-management. With nearly 50 years of observing investors, we believe active risk management is the superior approach due to the inability of investors to suffer through the psychological stress or emotional aspects associated with the steep price declines associated with passive investing. Continue reading Active vs. Passive Investment Strategies; Which is Right for You? to learn more about these two investment approaches.

Absolutely not. By taking the time to clearly define your investment goals, you are actually taking control of your investment future. You control the investment process through well-defined guidelines established with your investment advisor. We work right alongside with you and your other trusted professional network (Lawyer, Accountant, etc…) to successfully meet your long term goals.

The Madoff case was the largest fraud and Ponzi scheme ever and much can be learned from the fiasco. The single biggest step you can take to protect yourself from something similar is to be sure to have your investments held by a large, well-recognized third party custodian (like Charles Schwab). Be wary of investment advisors that ask you to add your money to a pooled account rather than establishing an account in your individual name. A third party custodian safeguards your investments and allows for online viewing of your individual account balance. And finally as a general rule of thumb, if the investment program sounds too good to be true, it probably is.

No! Everyone has their own special circumstances and goals. We personalize a suitable strategy to meet your own long-term needs. We manage to your investment objectives taking into consideration multiple factors including your taxes, income, experience, comfort level, and any other relevant issues. Our investment advisory service is highly personalized. The doors to our office are always open. You are encouraged to contact us with any questions or meet with us as often as needed.

Besides receiving a monthly investment statement from your custodian, i.e. Charles Schwab, you receive a detailed quarterly statement and performance figures from your investment advisor. At the end of each year, if you have a taxable account, you will receive a consolidated 1099 statement that includes capital gain/loss information and breakdown of all income and dividend payments from your custodian. Additionally, you can also have a Pring Turner Profile that allows you to receive your quarterly performance reports and other important documents electronically; you could also securely share sensitive documents with us via your profile. Our goal is to help keep your investment record keeping simple.

We have the ability to manage all of your typical investment and retirement accounts including: Individual Accounts, Joint Accounts, Trust Accounts, Traditional IRAs, 401(k) Rollovers, Roth IRAs, SEP IRAs, Retirement plans, and non-profit organizations including foundations and endowments that appreciate a disciplined, conservative investment style.