Online, Independent Investment Advisor for your 401(k), 403(b), IRA, Roth and Brokerage Accounts. Virtual Fee-Only fiduciary
A More Personal
Online Investment
Solution
Automated investment management with a human touch.
Clear Account Management (CAM)
Virtual Financial Consultation for Retirement & College Planning
Starting at $450*
Flat-fee initial review, monthly ongoing
• A holistic, online financial plan
• 60-minute call with a financial advisor to
cover the results
• Unlimited email access to an advisor
• Best-in-class web portal with investment,
cash management, and planning tools
* Starting amounts are discounted for
K-12 educators, CAM investors or employer plan advice participants
Holistic Investment Management with a Philosophy
1%
Annualized, Billed Monthly
• Holistic management across your
accounts
• Portfolio contruction based on your goals
• Best-in-class web portal with investment,
cash management, and planning tools
• Types of accounts we manage:
• Taxable Brokerage, Trusts
• IRAs, Roths, SEPs, SIMPLE, Solo-401(k)
• Education Savings Accounts (ESA)
• Health Savings Accounts (HSA)
Flat-Fee Employer Plan Recommendations
Starting at $250*
Flat-fee initial review, monthly ongoing
• Online investment recommendations for
your specific account
• Portal system that decreases the risk as
you come closer to your goals
• Recommendations specific for your
specific 401(k), 403(b), or 529 Plan
• Our investment selection is customized
to your chosen investment provider**
• Unlimited email access to an advisor
for a limited period
* Flat-fee service is limited to retirement accounts with limited menus; excludes self-directed accounts
HOW
IT WORKS
Invest in the same philosophy and personal service previously only available to the clients of exclusive Wealth Managers and Investment Advisors.
Automatic investing with no minimums. Add to your accounts or request withdrawals on your schedule.
24/7 Account Access. Stay engaged with your investments with our online technology.
Additional financial planning services when you need them. As a Fee-Only, holistic financial and investment advisor, we offer a broad range of services beyond investment management.
MOBILE ACCESS
Check account information, transfer money, and receive alerts... all from your device.
SIMPLE SETUP
Answer a few questions, e-sign your documents, and we'll help with transferring or linking bank accounts to fund your saving.
ACKNOWLEDGED EXPERT
Unlike many online investment firms created by technology gurus, we know a thing or two about finances.
SUPERIOR TAX DESIGN
Our plan isn't cookie-cutter, but customized across accounts in a holistic plan for you personally.
BETTER DIVERSIFICATION
Our plans use our G/P/S Investing™, 'any economy' investment philosophy.
AUTO REBALANCING
Rebalancing across your accounts takes advantage of asset location.
Independent Fee-Only, fiduciary advisor published at:
Award winning advisor and financial planner
Best-in-class market-based index exchange-traded fund (ETF) and mutual fund portfolios
An investment philosophy based on evidence, not gambling or gimmicks
Learn What Other Online Investment Services Don't Want You To Know...
Online "Investment Advisors" make several claims about their services and benefits. What they don't explain is...
On the other hand, traditional, human financial advisors:
-
Are experienced. Online advisors to date are less experienced, over-worked, and won't be the advisor that takes you through retirement.
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Have better technology. Aside from a fancy sales website, new online advisors are years behind traditional advisors in technology and tools.
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Know the details of YOU. Online advisors are experts at trading. So are we. We're also experts at you.
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Have better investment approaches. You are unique. You deserve something more than a cookie-cutter investment plan.
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Do not mislead you on their value. Online advisors are selling tax-efficient investing strategies that add little value. Traditional Fee-Only advisors act as fiduciaries who are required to act in your best interest, not sell you on strategies that do not add value.
And... Traditional investment advisors want to work with you!
Technology is allowing traditional financial advisors to work with a wider range of clients. No longer do you need to find someone in your local community, or have millions of dollars in order to have experienced financial help.
Your Virtual Financial Advisor...
Rob Schmansky, ChFC®, L5, EA
• 2013 PlanPlus Global Financial Planning Awards North American Finalist
• 2015 Investment News Top 40 Under 40 in Financial Planning Award Winner
• 2017 Investopedia Top 100 Influential Advisor
• >15 years of planning and tax experience
• Blogger and investment expert whose writing has appeared in several publications
• Enjoys audiobooks, coaching lacrosse, and blogging