4120 West Broad Street
We will work with you to implement a sensible plan that considers your complete financial picture.
Minimize Product Costs
Actively managed mutual funds are expensive and most underperform their benchmarks. Index and index-like ETFs and funds are inexpensive and transparent. Index funds and ETFs are tax-efficient due to their low turnover, which also lowers transaction costs and contributes to their low expense ratios. They are built to track the indexes they are benchmarked to, eliminating negative surprises. In short, trying to guess which mutual funds that will consistently outperform the market is an expensive gamble that may not be successful for wealth management solutions.
Most people understand the risks involved in "having all your eggs in one basket". Many people fail to understand that simply owning a fund that tracks the S&P 500 does not create a diversified portfolio. Research has shown that a truly diversified portfolio, one that contains US stocks (large and small), international stocks (Emerging and Developed markets), fixed income, and real estate (in other words, one that looks like the world allocation) reduces risk (volatility) and improves returns for wealth management solutions.
Emotion is the enemy of the investor; it causes bad decisions and, inevitably, unchecked, produces costly mistakes. Sometimes these mistakes take years to recover from. Sometimes these mistakes cause losses that will never be recovered; imagine selling your equity portfolio late 2008/early 2009. Markets are impossible to predict; leaders from last year may be laggards (or worse) the next. Moving your money around according to what markets are doing typically does not work. Create a good plan, let the markets work for you, and stay the course for wealth management solutions.
It is our mission to provide valuable investment advice at a value; we are relentless in attempting to remove all unnecessary costs and allowing you to keep more of what you and your investments earn. Our goal is to provide our clients with the tools needed to make the kind of decisions now and in the future that ensure financial peace of mind. Let us do the worrying.
A personalized client portal offers Tone Capital clients a clear, holistic view of their entire financial picture, allowing them to budget and plan more effectively, store documents for easy access on devices, all with one login. Having the ability to view held-away assets allows our advisers to manage portfolios from a more informed perspective.