Separately Managed Accounts

Security and Transparency

Grow Your Wealth, Your Way.

A separately managed account is a portfolio of individual securities managed on your behalf by our Certified Financial Professionals.

You own the individual securities, which can provide the ownership, control, and transparency you deserve while giving us the discretion to act on your behalf as your fiduciary. Your accounts are not commingled with others and are in your complete control. We’ll work with you to structure the portfolio of low-cost index funds, ETFs, and zero commission products that realize your goals and is in line with your risk profile.

However,  that’s just the beginning.

We will meet regularly with you to make certain that we are on track to meet your goals and your expectations. There, our CFP® Certified Financial Planners will explain to you the fees charged during that quarter, but, more importantly, they will show you the value we added to your portfolio to earn those fees.

Getting Started with an SMA Account is a very simple three-step process.

by filling out Interactive Broker’s  Electronic Application.  If you have any questions while you do this, don’t hesitate to call us as we do a screen share with you and walk you thru it.

You can do this in multiple ways. If you have an existing brokerage account that is a source of funds, you can do this all online through the automated process known as ACAT.  If you are funding it some other way, for example with a check we will send you an overnight envelope or arrange a courier, or pick it up in person. If you prefer, you can just mail it to Interactive Brokers at (provide the link) the benefit of your account. Be sure to put your account number on the check that you received from completing Step 1 on the check . You may also wire it following Interactive Brokers Funding Instructions.

completing the Docusign authorizing us to manage your account.

That’s it. Once your account is opened and funded and the advisory agreement is signed, our CFP will assign your account to one or proportional percentages the four model portfolios based on the interview process and your desired objectives.  There are no contracts; you can cancel at any time. This is your money, your account. Our philosophy is that we need to earn your business at every quarterly review.

Our Five Model Portfolios

Aggressive Equity: Model Portfolio

Aggressive Equity is most appropriate for investors who are willing to accept above-average volatility in the pursuit of excess market returns.

High Yield: Model Portfolio

High Yield Portfolio is appropriate for investors that seek  higher current income. The portfolio seeks to achieve this objective primarily investing in a diversified group of high-yielding dividend securities that insiders have bought, applying the proven investment process of the firm’s Insiders’ Fund.

Moderate Growth: Model Portfolio

Moderate Growth is suitable for investors who can accept some level of expected stock market volatility while seeking above average growth. 

Balanced : Model Portfolio

Balanced Portfolio is suitable for investors that need growth but want to diminish volatility and stock market exposure. 

Conservative : Model Portfolio

Conservative Portfolio is designed for investors who want positive inflation-adjusted returns with a minimum level of stock market exposure.