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Assets Under Management

Are you getting your money’s worth from your advisor?

Imagine you hire somebody to do a job for you. If they do the job well, you’re happy to pay them. But what if they don't do the job at all? Is it still worth the money? This is how we feel about assets under management with a traditional advisor. The market goes up and you pay your fee. The market goes down, you lose money...and you still pay your fee. We think you can do better.

Your portfolio is diversified...but is it personalized?

With assets under management, having a personalized portfolio is important. And utilizing diversified funds, notes, dividends, etc. is an important part of a strategy. But again, the strategy isn't the allocation, it's the overall plan. The industry will make you feel that you can't do this yourself, but we disagree. After all, there are all kinds of options out there:

Mutual Funds

Professionally managed investment portfolios that pool money from multiple investors to invest in a variety of assets, such as stocks, bonds, and real estate investment trusts.

Exchange-Traded Funds (ETFs)

Like mutual funds but with lower expense ratios and individual stocks (rather than funds.

Separately Managed Accounts (SMAs)

Customized investment portfolios managed by a professional investment manager, giving individual investors more control over tax management and investment strategy.

Dividend Paying Stocks

Investing in dividend-paying stocks entitles you to a portion of a company's profits on a regular basis. This can be a great way to generate income, but it’s also one of the more volatile options at your fingertips. Your investment goals and risk tolerance will factor into your decisions.

Note Investing

When you invest in a note—like a mortgage or a business loan—you become a lender. This entitles you to repayment with interest over a set period of time, which can be a great way to generate passive income. But notes are illiquid and subject to interest rate risks, so there are a lot of factors to consider.

As you can see, the path to a personalized portfolio is not exactly a straight line. Talk to a Five Pathways Guide for comprehensive roadside assistance.

Assess Your Assets

Could you be getting more out of your investments?

Understand Your Options

Balance between diversification and simplification.

You’ve Got Goals

We’ll make sure you’re heading toward them.

Keep What’s Yours

Protect your investments from Uncle Sam.