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Investment Management

Our Philosophy

Investing comes with risk! There are no two ways about it. However, without the willingness to take some amount of risk, there would be no opportunity to potentially earn the returns that can help you grow your wealth. To manage investment risk, we encourage maintaining a broad diversification of your investments, as they align with three primary considerations:

  • Risk Tolerance
  • Time Horizon
  • Financial Goals

Once we establish these foundations, we will create a customized portfolio that makes the most sense for you. We do this by adhering to four core values:

Independent Advice, Smart Solutions, Personalized Service, and Integrity.

Account Types

We provide help with the following account types:

  • Individual Retirement Accounts (IRAs): Roth, Traditional, Simple, SEP
  • Taxable Accounts (Individual, Joint, Transfer on Death, Community Property)
  • 403B Accounts (Optional Retirement Plan and Tax-Sheltered Annuities)
  • 457 Accounts
  • 529 College Savings Accounts
  • Trusts and Custodial Accounts
  • Brokerage Accounts
  • Fixed Annuities
  • Variable Annuities

Strategies and Fees

Advisory Accounts – Managed in an asset-based fee structure at custodian TD Ameritrade Institutional. Strategies include the use of mutual funds, exchange-traded funds (ETFs), and individual stocks and bonds, primarily through Third Party Asset Managers (TAMPs), Separately Managed Accounts (SMAs), or Asset Allocation Models. We work with companies and products we believe provide the best combination of value, tax-efficiency, investment management expertise, and outstanding customer service. The account minimum for these services is $100,000. Please contact us for a complementary consult and our fee schedule.

403b and 457 Accounts – For university faculty saving for retirement through the Optional Retirement Plan (ORP), Tax-Sheltered Annuities (403b accounts), and 457 Accounts, we are approved to work as independent investment advisor representatives in an asset-based fee structure at TIAA and Fidelity. We work primarily with faculty in the Texas university system, but can work with faculty at many other institutions (in other states). Investment options in 403B and 457 accounts are limited to mutual funds. However, we believe our independent partnership with Third Party Asset Management (TAMP) companies expands the type/quality of management services that are typically available to plan participants. Please call or email to learn more about our fee schedule and the services we provide.

Annuity Contracts – In some cases, it makes sense for investors to purchase a Fixed Annuity or Variable Annuity contract. These products can be quite complex to understand, expensive, and inappropriate for elderly individuals, those who have a short investment horizon, and those who do not have an appropriate amount of liquid assets. However, we believe they can play an important role for some risk-averse investors who desire a guaranteed rate of return on an investment or those who want to create a guaranteed stream of income in retirement. As independent agents, we work with a variety of insurance carriers so that we can find the product that is most appropriate for our clients’ situation and goals.

Brokerage Accounts – May be appropriate for new clients with less than $100,000 in investable assets who wish to open IRA and Taxable (Individual or Joint) accounts, 529 Educational Accounts, Custodial Accounts, or Trust Accounts. We are also able to provide individual stock and bond purchases through Hilltop Investments. Hilltop Investments is our clearing firm. Please contact us for more information about how commissions and expenses work with these types of accounts and investment products.

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