Philosophy and Fee Structure

Investing and investment advice is often too costly…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 assets. This can save you thousands of dollars in fee income annually.  We 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 is 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.

The fee structure at Smart Choice is simple and transparent so you always know what your investment related costs are going to be for the year.  Looking to consolidate your accounts?  You won’t find a better value than Smart Choice because your fee does not increase as your assets do once your account hits $250,000.  Accounts below $250,000 receive a lower fee structure to ensure you keep more growth for your money.  If you are simply looking for reviews and advice on what you are doing with your insurance and investments, a flat fee for our advisory services is also available.  Either way, Smart Choice delivers the best value for your portfolio, insurance and financial planning needs…period! 

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 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.  Our goal as a firm is to grow, but we will maintain a size that can stay attuned to our client’s needs and remain vigilant in an ever-changing world.  For the time being, we are accepting new clients.  Wonder if you are doing the right things with your investment or insurance portfolio? Call us today for an evaluation…the answers may surprise you!