We then will incorporate our strategy to meet your personal investment objectives.
Your assets are held at an independent discount brokerage firm. We never touch your money. All of your investments are liquid and available to you at any time without penalty. Independent advisors use independent custodians to hold and safeguard clients’ assets. For many investors, this provides a reassuring system of checks and balances – your money is not held by the same person who advises you about how to invest it.
We are a fiduciary to our clients meaning we are bound ethically to act in your best interests. We are fee only investment advisors and we avoid the conflicts of interest associated with being compensated by commissions, product sales, outside fees or performance based fees. Since we use an independent discount brokerage firm to hold your investments – we have no proprietary products to sell. We are partners with our clients because your best interests are our best interests.
While we have built life-long relationships with our clients by creating trust, there are no lock-ups or penalties for cancelling our services. Unlike an annuity or CD which may have penalties for cancelling, these are your assets and you are free to cancel us at any time.
Our sophisticated software can help create a retirement plan for you to track over time. You set your goals and we help create a plan for you. Some of the many planning questions we can assist with include: When should I start to claim social security? Can I afford to retire? Which investment accounts should I spend first in retirement? How much can I spend per year?
We can work with your accountant, estate planner and/or insurance planner. We can assist you with any questions related to your finances. We have an expertise in working with retirees, business owners, divorcees, widows, trusts and foundations.
You will have online access for your brokerage accounts and will be sent confirmation of all trades, monthly statements and tax documents. We also offer a Sadoff Client Portal which allows you to access holdings, asset allocation, transactions, year to date tax information and a variety of other documents. We will prepare a year-end performance report showing your results compared to its benchmark. Unlike a mutual fund, you will always know what is in the account and what changes are taking place in your account. You will also receive our monthly client newsletter, which outlines the reasons behind our current investment outlook.