Independent Advice from a Local (Springfield) Fiduciary
1. Start with a Goal-Centered Plan
2. Minimize Fees, Taxes, & Conflicts of Interest
3. Diversify Away Risk While Seeking
Our priority is getting you to your goals, not chasing unrealistic returns.
This means we don't put our clients' assets in unnecessary risks.
We take the time to do our due diligence on the investments we make.
We try to avoid market bubbles and view market corrections as opportunity.
Traditional Investment Service
We broker and manage
Educational Savings Accounts
What sets us apart
The independence to offer a full range of investment options.
Transparency, no hidden fees
Competitive low-cost options
No 1-800 numbers
Just real people
and real results!
TM Wealth Management
An integrated, customized solution that goes beyond simple asset allocation.
Our Service Fee
Diverse Asset Allocation
Financial Planning Tools
Online Account Portal
Socially Responsible Options
Dedicated Advice and Support
Regular portfolio reviews
Customized portfolio with regular reviews
A single, all-inclusive, asset-based fee at a fraction of the cost of traditional investment firms.
There are no hidden fees, no trailing fees and no trade commissions.
TM Wealth Management Plus
For accredited investors with
$1 million +
of Investment Assets
We have the independence
to offer Alternative Investments
to qualified clients.
From hotel chains to block chain we give our clients the tools they need to protect their assets in an uncertain future.
The result is a portfolio equipped for the modern age, enhanced by the value of a personal advisor relationship, providing stability in adverse public market volatility.
Our Investment Methodology:
Start with the client's goal-oriented asset allocation
Filter out expensive mutual funds (see why below)
Filter out funds with low volumes (this improves liquidity)
Filter out funds with high expense ratios (lowers the cost of ownership)
Select the top 3-5 funds in each asset class
Compare the performance, yields, holdings, etc. of the funds
Select only the funds that rise to the top of this comparison.
Review to make sure no over-weighting took place.
Why we prefer ETFs to Mutual Funds
ETFs typically have much lower expense ratios (ongoing expenses).
ETFs have no up-front or deferred sales charges (up to 8.5%).
ETFs have no ongoing 12B-1 fees weighing down on returns.
ETFs are more liquid because the are traded on the market and don't have surrender charges.
ETFs are more tax efficient because less trading is done inside the accounts.
ETFs have no minimum initial investment requirements beyond the value of a single share.
ETFs tend to have higher returns than their mutual fund equivalents because of their fees.