Intentional Investing is for people who want a Fiduciary and Advocate, who serves as a Personal CIO (Chief Investment Officer), to combine personal priorities and efficient strategies for desirable and dependable investment results. Intentional Investing may be provided in tandem or independently with Nimble Planning.
Unlike many advisors, we do not require a working relationship centered on investments under management. If investing is part of our work together, our incentives will be aligned. There are no sales commissions or hidden incentives to corrupt the process. There are no punitive costs, or strings attached, if you decide to part ways.
Simple, Transparent & Fee-Only
- If your investments grow, we grow.
- If you get hurt, we get hurt.
- If you prosper, we prosper.
Our Intentional Investing strategies will deliberately minimize both spectacular gains and devastating losses, because you cannot have one without the other.
If you have a significant sum of money and need a dependable stream of income, for as long as you may live, that is our specialty.
- It is not exciting, just boring and reliable.
- It is based on math and probability, not hope or hype.
- It is globally diversified, like the global economy and markets.
- It may contain index-based and actively-managed investments.
- It resembles a sophisticated endowment, foundation or pension plan.
According to research by Vanguard, the estimated value of an effective investment professional is about 3% per year.
The Vanguard Advisor’s Alpha research attributes this annual value as follows:
Rebalancing Asset Allocations
up to 0.75%
Asset Location (Tax Placement)
up to 0.70%
Investing for Total Return vs. Income
This estimated annual value, and even just half of it (1.5%), is worth much more than you can reasonably expect from a stock or bond picker trying to “beat the market” on a consistent basis!
Consequently, I do not pick, ponder or discuss specific stocks or bonds. Instead, we will focus on the areas above.
The various stocks, bonds and other investments are managed for clients by more than one of these world-class investment management firms*:
To help guide the investment strategies and decisions for clients, these exceptional firms are also relied on for research, analysis and thought-leadership on global economics and markets:
- Goldman Sachs
- JP Morgan
- Rosenberg Research
- Thomson Reuters
- Yardeni Research
Investments and cash equivalents are held for clients by Fidelity Investments or a similar institution, not Advosion. With Fidelity, we offer institutional strength, open architecture, multiple professionals on a client-service team and veteran experts to handle complex situations or sophisticated technical issues. Clients enjoy consistent personal attention, relationship continuity and specialized expertise.
Depending on the size of a portfolio, guidance fees for Intentional Investing are between 0.075% and 0.25% per calendar quarter. A fixed quarterly fee may be negotiated for portfolios above $10,000,000.
Intentional Investing fees are paid quarterly in advance. Nimble Planning fees may be paid monthly or quarterly in advance. If both services are provided together, there may be an offset of fees in consideration for one combined fee.
Clients may terminate Nimble Planning and/or Intentional Investing services at any time, with no penalty costs, and receive a pro-rata refund of any unearned fees.