Transparency

Transparency is part of the Portfolio Financial difference. We pride ourselves on educating our clients about the various investment options available to them, as well as the features, benefits, fees, and charges associated with each. We strive to offer clarity by “breaking it all down” for you and dispensing with industry jargon. With all the talk about “fee-based,” “commission-based,” “wrap accounts,” and “wealth management platforms,” figuring out which strategy makes the most sense for you may seem like a daunting task. Let a Portfolio Financial advisor explain each type of account side-by-side to help you determine the most appropriate approach, specifically tailored to address your objectives.   Because we believe making smart investment decisions is much less perplexing when you have all of the information.  Whether you are a sophisticated investor or just taking the first steps toward financial independence…we’re here to help!

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Cost

Fees can drag down portfolio performance.When many of us think of threats to our investment portfolios, we tend to focus on stock market performance, inflation and the ramifications of taxes. When building a portfolio, it makes sense to recognize these threats and look for ways to minimize their impact. At the same time, while looking for more obvious threats, many of us overlook the fees we are paying. Portfolio Financial partners with clients to avoid or eliminate unnecessary fees whenever possible. This may include annual custodial fees, front-end and back-end sales loads, transfer fees, and ticket charges, to cite a few examples. What may sound like the least expensive option on the surface may in fact not be the most cost effective. Portfolio Financial can help you unravel the layers to show you how much you’re paying and how the underlying fees can impact your return. Because we realize that the fewer costs you incur, the more you’re able to save!

Flexibility

When it comes implementing your investment strategy, why limit yourself to handful of choices.  By rolling your existing retirement plan into an IRA, you have the freedom to select from a wider range of investment options than typically offered by most employer-sponsored plans. A Portfolio Financial advisor can offer insight to assist in determining the right balance of equities, bonds, alternatives, and cash equivalents to provide you with a well-diversified portfolio. We can explain the unique characteristics of each asset class, as well as the difference between active and passive asset management. Many accounts offer low or no minimums and offer free exchanges between investment options. Portfolio Financial also leverages our relationships with vendors to provide the same features and benefits in non-qualified (non-retirement) accounts. Talk to a Portfolio Financial advisor today and explore your options. You have choices!

OneView

Having 24/7 access to view your accounts all in one place offers convenience and makes it easier to monitor your progress. Portfolio Financial clients can register to gain account access via our website. You can even use your mobile device to access your account, and our website is secure so that you have peace-of-mind. Visit Our Account Access Page

Customized Portfolios

It is not unusual for an investor to move on the risk/reward continuum as life events occur and investment goals change over time. Constructing an appropriate portfolio for an investor’s specific risk/return investment objective and understanding that changes in these objectives are inevitable remain the keys to achieving investment goals. Our portfolios are tailored to reflect each clients’ risk tolerance, retirement timeline, and investment objectives. In our reviews, we’ll discuss life events that may influence the composition of your portfolio. We will also revisit your risk tolerance to help determine how to adjust your portfolio, if necessary.  

View CUSTOM PORTFOLIOS  Download RISK TOLERANCE QUESTIONNAIRE

Fiduciary Responsibility

Fiduciary Standard
The fiduciary duty standard is a much higher standard than that of suitability. It is generally considered the highest legal duty one party can have over another. Under the Investment Advisors Act of 1940, Registered Investment Advisor firms must meet suitability standards and fiduciary obligation. They must act with the utmost good faith in their client’s best interests. For example, if the advisor knows of a comparable lower-cost option, he or she is obligated to select it on behalf of the client.

 

Suitability Standard
Defined by the National Association of Securities Dealers (NASD), the suitability standard requires that a product or service must meet the standard of being suitable for an investor—it does not have to be in his or her best interest. For example, a brokerage firm is not required to obtain the best execution pricing for trades. It can sell similarly suitable funds that cost the investor more, but provide higher commissions or meet sales production quotas.

To learn more about the professional history of our financial advisor(s), please visit FINRA's BrokerCheck.

Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

This communication is strictly intended for individuals residing in the states of AL, AR, AZ, CA, CO, DE, FL, GA, IL, IN, KS, MA, MI, NC, NH, NY, OH, RI, SC, SD, TN, TX, VA, WA, WI. No offers may be made or accepted from any resident outside the specific state(s) referenced.

IMPORTANT CONSUMER INFORMATION A Broker/dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker/dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker/dealer, investment, adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.