We Set you up for a lifetime of dIY investing
you Can Do It Yourself, But You Don't Have to Do It Alone
We are “advice-only" advisers. We don't sell any financial products and we don't take control of your assets. Insurance and stock "brokers" typically earn money from sales commissions, creating serious conflicts of interest. Most "fee-only" financial advisers are paid a percentage of assets under management, often skimming 1% or more off of your investment returns each year.
We, on the other hand, want to make sure you avoid those fees and keep the money in your pocket. Our typical fee of $4,000 for a comprehensive financial and investment plan sets you up for a lifetime of DIY financial independence. We believe your investments should earn money for you – not for us!
We understand that many of our clients would like some degree of ongoing assistance with their investments, including periodic help with re-balancing their portfolios, and we encourage clients to engage us for follow-up services when appropriate. You can do it yourself, but we don't want you to feel like you need to do it alone. Make no mistake, though, we will give you the tools and the education to confidently control your own financial destiny.
Prudent Strategy: Aptus recommends a simple, very effective investment strategy aimed at minimizing taxes and fees. We first help you follow our Waterfall of Tax-Efficient Investing to determine how to best utilize your available investment accounts, including employer retirement plans, HSAs, "backdoor" Roth IRAs and taxable accounts. We then help you appropriately allocate money between stocks and bonds. Finally, we recommend investing in low-fee, index funds to efficiently capture the returns associated with very broad stock and bond market indices. Read More
Individualized Education: We educate you! We first determine and then explain your current portfolio composition and allocation. We identify your risk tolerance, your goals and your unique considerations. We discuss and attempt to measure your current direct and indirect costs of investing. Direct costs represent checks you write or money deducted from your account for advising. Indirect costs represent all of the “hidden” costs of investing, from revenue sharing by your adviser to the costs of active management. Read More
Reduced Fees: You save money! You rebalance your own portfolio as necessary, either with our assistance or on your own. We do not control your investments, you do. We provide a detailed, comprehensive financial plan and a step-by-step action plan. We are your DIY sherpa. Read More