Fee-only The Villages, Florida

We are a low-cost, fee-only Advisor. We are a fiduciary for our clients 100% of the time.

Investing 101: The Villages, Florida – Is your Advisor living in the past and still charging you 1% fees?  Times have changed, you don’t need to pay 1% for an Advisor. I urge you to get a free 2nd opinion.  I encourage you to get a free 2nd opinion about your total fees.  You might be shocked by how much you are paying! (book meeting below)

We help clients make work optional and live their best life with the money they have!

Now is the time to verify you have an optimal solution for your retirement.

If you invest with any of the big banks (Bank of America, JP Morgan, Wells Fargo) or brokerage firms (like Merrill Lynch, Morgan Stanley, Fidelity, Edward Jones, LPL, Ameriprise and American Funds), or Insurance Companies, you may want to rethink your strategy.

Here are just some of the challenges:

  • We are on the verge of a retirement crisis in America.
  • Key facts for women: 1) Women typically live longer than men by 6 to 10+ years.  2) From 1998 to 2009, median income for women 65 and older was 25% lower than for men.  3) According to Bloomberg, women age 65 and older are twice as likely to live in poverty as men.  4) Women need to be included in the financial planning and strategy for the portfolio.
  • According to a recent survey, the average baby boomer is $500k behind on their retirement savings. (2012 TD Ameritrade Baby Boomers Survey.)
  • Retirees are living longer.  A married couple at age 65 today has an 85% chance of one spouse living to at least 80 years old and a 50% chance of one spouse reaching age 90 or older.
  • Your retirement plan should account for the highly probable scenario that government entitlements like Social Security and Medicare will decrease benefits over time.
  • If you have a company pension, you should also assume that it may be funded less or discontinued over time.
  • Cost of nursing home care in Tampa, Florida is $86,140 per year and average length of stay is over 3 years.
  • If you get advice from some “free lunch” seminar, it may be the most expensive lunch of your life!

There are over 400,000+ advisors in the U.S.

Sadly, many of them are just selling products.

A solid retirement will not happen by accident, it is a matter of conscious choice, strategy, coaching and discipline.  Most investors need a coach to help them in good times and especially in difficult times.

We suggest the following to help you pick a good advisor to work with for your goals:

  1. Fee-only – Work with a fee-only advisor.  Demand transparency and full disclosure of all fees.  Upfront loads and commissions are brutally expensive, often hidden, and may not be in your best interest. Fee-based is NOT the same as fee-only.
  2. Fiduciary – Work with an advisor who is a fiduciary for you.  This means that, by law, they put your interests first – not their company’s, not their own;  Get it in writing!  According to a recent PBS show, only 15% of advisors are a fiduciary for their clientsFind out more about the fiduciary standard of care.  The fiduciary standard of care has been around since 1940.  Why would investors use a non-fiduciary advisor?…  We think it’s because investors don’t know the facts. A 2010 survey revealed that 76% of investors believe brokers are fiduciaries; 60% believe insurance sales people are fiduciaries.  Both are not!

These first two items should be non-negotiable. You work hard for your money and your advisor should be aligned with your goals and objectives.

The SEC’s message is clear: stockbrokers are salespeople who make a living by selling investments; they are not paid to provide investment advice. Instead, providing advice is “merely incidental” to the sale of an investment product. There are some very nice brokers who may have good intentions, however, in today’s environment, it is critical to have an advisor with a legal responsibility to put your interests first 100% of the time.

3. Academic approach – Does the advisor follow an academic approach to investing?  Is it based on historical evidence and data?  Find out why DFA may be a more optimal solution than Vanguard — Vanguard vs. Dimensional funds (DFA).  We build low cost, institutional portfolios with factor investing (market factor, value factor, small cap factor and profitability factor).

4. Say “no” to active managers – Does the advisor build a customized investment plan and invest in low-cost passive funds or ETF’s.  Most active managers fail to beat their benchmarks after fees and expenses.  The data is compelling.

5. Investing philosophy – Do you agree with the advisors investing philosophy?  Risk and expected return are related.  Get a solid plan and have data to support the approach.

6. Strategy – The number 1 problem for most investors is “natural human behavior”.  Many investors follow the herd, sell low, buy high and have extreme lack of discipline. Don’t risk your retirement on a high cost strategy.  We help cut out the middlemen from the Wall Street food chain so you can keep more of your money.  We provide a custom portfolio based on each client’s risk profile.   We build a portfolio with factor investing and the academic approach above.  See for yourself how it compares to Vanguard or your current portfolio.

7. Ongoing coaching – The strategy should be based on your goals and objectives.  The advisor should provide ongoing education, monitoring, rebalancing and support.  A trusted coach can help adjust your plan when you have life changes in retirement.

8. Low fees – Are the advisor fees reasonable… under .6% on the first million dollars and decline after $1MM?  Fees matter!  It is important to compare your strategy returns net of all fees.  Don’t assume that low fees from Vanguard make everything OK.  That is just one step of the process. Our fees are 0.6% or below depending on the scope of work.  We also have flat fee options for large portfolios.

9. Compare the data – Many clients we meet don’t know how to objectively compare their portfolio to proper benchmarks.  Their advisor tells them that they are doing OK.  We believe you should “trust but verify” your current portfolio.  Let us show you where we can add some value to your portfolio.

If you have a portfolio over $500k, we suggest you get a free 2nd opinion about your current financial strategy and investments.

Call us today 303-549-4720 (We work with clients nationwide and my parents live in The Villages)

The Villages, Florida

Do you want to find out more?

 Hire a fee-only, low-cost, no commissions.  Most clients are shocked by how much they are paying in hidden costs with big banks and brokerage firms.  We will show you the red flags in your portfolio.

 Choose a fiduciary Advisor.  Only 15% of advisors are a fiduciary for their clients.  Your Advisor should be a fiduciary for you 100% of the time.  Get it in writing!

 Invest your portfolio using data driven analysis and factor investing.  Stocks vs. Bonds, % value companies, % small cap companies and companies with direct profitability.

 We build institutional portfolios that are globally diversified and have tilts toward value, small cap and direct profitability.

 Find out how our approach may be more optimal than American Funds, Fidelity or Vanguard Funds.

 Give us a call today – 303-549-4720 or Click here to subscribe to my blog for The Villages

Don’t wait for the next recession!  Call us or subscribe today!

Thanks,
Todd Moerman
Managing Partner, Integrity Investment Advisors
The Villages, Florida

 Fiduciary Advisor, The Villages Florida

Fee-only Advisor, The Villages Florida

Is my Advisor a Fiduciary?  How much are my yearly fees?

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See why you may need a low-cost, fee only Advisor who is a fiduciary for you 100% of the time.

You have successfully subscribed. Thank you! Here are some free resources - Video - A note from your future self - https://youtu.be/HKMYTLyhOGU 5 Free Checklists That May Save You Thousands – Really! Countless people need help in these areas. Checklists include: end of year tax planning, funding a child's college education, caring for aging parents, items to consider before you retire, critical documents to keep on file. Please like & share with family & friends. You can download the PDFs for free. https://www.integrityia.com/5-free-checklists-that-may-save-you-thousands-really/

Todd Moerman - Integrity Investment Advisors

Subscribe To OurBlog!We help Clients retire without getting killed in taxes!

Sign up for our blog to get timely and valuable information about the markets. Free checklists!  Your retirement will thank you!

You have successfully subscribed. Thank you! Here are some free resources - Video - A note from your future self - https://youtu.be/HKMYTLyhOGU 5 Free Checklists That May Save You Thousands – Really! Countless people need help in these areas. Checklists include: end of year tax planning, funding a child's college education, caring for aging parents, items to consider before you retire, critical documents to keep on file. Please like & share with family & friends. You can download the PDFs for free. https://www.integrityia.com/5-free-checklists-that-may-save-you-thousands-really/

Todd Moerman - Integrity Investment Advisors

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