What is your mission statement?
I consult and/or manage assets for clients by setting and working toward defined client goals within the client’s comfort level. I manage their accounts as I believe they would if they had the time, interest, expertise and experience. As a Christian, I am called to be a kind servant to my clients, maintaining a healthy work ethic and a high standard of ethics.
What types of accounts do you handle?
I handle a wide range of investments and types of accounts. These include 401(k)s, pensions, cash balance plans, trusts of various kinds, IRAs, 529s, SEPs, SIMPLEs, even participant accounts in their retirement readiness Charlotte plan at work.
Retirement Readiness Charlotte
Do you set up and manage 401k and other types of retirement plans for employers?
Absolutely! For 401(k) see 401k Plans. For other plans, call me.
What is your investment process?
See How I Work with Clients. For more detail, call or email me.
What is your minimum account size?
I have no minimum account size. Individual clients generally fall between $250,000 and $6,000,000 in investable assets and retirement plans between $1,000,000 and $50,000,000.
How much does it cost to have you manage my investments?
Management fees are on a sliding scale with a cap. I don’t believe that once a client is over $1 million in assets it makes any sense to charge more for just having a larger account unless there is a significance increase in complexity. I don’t know of another advisor that limits his fees so in that way. For them, my fees generally stay the same year to year, saving them many thousands of dollars a year versus other advisors.
For one-time consulting projects I charge an hourly rate like a CPA or attorney would.
For retirement plans, fees are flat (again, pretty unique) and vary by what I do for the plan.
Do you do financial planning?
I do financial planning for clients with a team approach. My fees are included in the quarterly management fee. I believe strongly in the team approach – investment advisor, CPA, attorney and insurance agent, each practicing their specialty. I don’t think one advisor does well trying to be all things to all people.
How are you regulated?
The Ethical Investment Advisor firm is regulated by the states in which it has clients. Cornerstone Investment Services, is located in NC and registered as an investment advisor with the Office of the Secretary of State of North Carolina and as well as South Carolina and Colorado. I have clients in other states as well that don’t require separate registration for the number of clients I have there.
For more information contact us today.