APTUS INVESTING SERVICES
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,” which means we do not charge for or hold assets under management or sell products. Traditional “Fee Only" Financial Advisers actively manage your money and charge you a recurring fee based on assets under management, often skimming off 1% of your returns each year. Even newer "Robo Advisers", which follow simple formulas to determine asset allocation, charge a recurring fee based on assets under management, albeit typically lower than traditional advisers.
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 your initial financial and investment plan sets you up for a lifetime of DIY financial independence. (See Pricing Page) 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 Financial believes in a simple indexing strategy. We first help you determine appropriate asset allocations, or how to divide your money between stocks and bonds. And then we pursue an indexing strategy where we attempt to capture the returns associated with very broad stock and bond market indexes. Our strategy is also known as a passive strategy. 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. Our approach is somewhat similar to robo advising, but with several significant differences: 1) we start with a detailed, comprehensive financial plan so we understand your unique investment considerations, 2) we provide step-by-step guidance on investment choices from a real live, highly credentialed, professional and, 3) our fees are much lower. Read More