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About

Our Integrity

Why Integrity Matters

As a small independent Fee-Only Registered Investment Advisor, we count ourselves among the group of financial service providers who actually behave responsibly and without conflicts of interest toward our clients.  We accept no commissions, trails, or other revenue streams outside of our low flat annual management fee.  Furthermore, we provide our own investment strategies to our client directly choosing only those securities that makes sense based on market risks and opportunities thus eliminating layers of fees to outside management or any mandates to sell company product.   Throughout our 25 year history, we are proud to say that we have maintained a clean and uncompromised business model as it related to our fiduciary responsibility toward our clients.

Unfortunately, not all in our industry can say as much.  We feel it is important for investors to understand and see for themselves how much regular enforcement and fines for wrong doing happen every year.  Our advice for all investors is to make sure you understand who you are working with and their regulatory history.    

Recent Enforcement

Wealthfront and Hedgeable Charged with False Disclosures by the SEC

Betterment Fined $400k

Wells Fargo Advisors Settles SEC Charges for Improper Sales of Complex Financial Products

Wells Fargo to pay states $575 million over sales practices

Merril Lynch 

Merrill Lynch Settles SEC Charges of Undisclosed Conflict in Advisory Decision

Merrill Lynch Admits to Misleading Customers about Trading Venues

Merrill Lynch to Pay $415 Million for Misusing Customer Cash and Putting Customer Securities at Risk

Merrill Lynch whistleblowers get record $83M Securities and Exchange Commission award

Morgan Stanley

SEC Charges Morgan Stanley in Connection With Failure to Detect or Prevent Misappropriation of Client Funds

FINRA Expands Wells Notice Against Ex-Morgan Stanley Advisor Ami Forte: Enforcement

Citigroup

Citigroup pays fine to settle multiple penalties

SEC Charges Citigroup for Dark Pool Misrepresentations