Investment Philosophy

Investing and investment advice often cost too much…and to what end?  Active management of your portfolio rarely adds value and often doesn’t cover the added cost of brokers, insurance agents and portfolio managers.

Smart Choice Financial Planning offers you a flat fee model that is transparent, low cost and adds value to your portfolio  over the years.  We do not sell and we receive no commission income or percentage of your investments. This can save you thousands of dollars in fee income.  We can offer you access to the investments you need be it municipal or treasury bonds, stocks or inflation hedging instruments.  Advice on insurance and implementation of your annuity contracts are also available on a fee-only basis.  You won’t find this approach through your broker or banker because they can not offer you investments that do not pay the house significant and often hidden fee income.

At Smart Choice, we build portfolios using the very best time tested academically engineered investments.  With access to the Dimensional Fund Advisor funds, your portfolio can be customized with the asset classes needed to achieve your investment goals, without the added cost of active management which can be 1% to 3% per year from the nationally advertised firms (somebody has to pay for those ads).  If you are paying for active management to beat the the markets, but you don’t in any particular year, then what are you really paying for?  Learn more about DFA funds at www.dimensional.com.

Smart Choice Financial Planning offers you a fiduciary relationship, someone you can trust to pay attention to your portfolio while you pay attention to your busy life.  We build portfolios tailored to your needs.  Wonder if you are doing the right things with your portfolio? Call us today for an evaluation…the answers may surprise you!