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A Spiritus Financial Plan Includes
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Choosing the Right Advisor
How We Add Value as Your Advisor
The average operating expense for actively managed mutual funds is about 1.53% per year. Over time, this lowers your overall return. We use low-cost, institutional class funds - less than 0.50% for most diversified strategies.
The typical active manager or advisor effects portfolio turnover of 80% or more per year. That costs the average investor nearly 1.0% in annual returns due to brokerage and other transaction costs. Our strategies emphasize turnover costs of less than 0.25% per year.
Taxable accounts give up about 50% of their annual returns to taxes due to portfolio turnover and inefficient portfolio management. We utilize funds and strategies that emphasize a high degree of tax efficiency.
Our individually designed, implemented, and managed portfolios are
targeted to meet your financial objectives
.
Each client has a written investment policy statement - the roadmap to your investment strategy.
We meet quarterly with our clients (in person, over the phone or virtually) and provide quarterly performance reporting and discuss the suitability of and progress towards your financial objectives.
Our disciplined, long-term approach means you’ll sleep better and get on with your life by ignoring all of the Wall Street hype. Most investment advice seeks to have you transact business - and make money for others.
We stay on top of global economic data, financial and economic trends as well as current issues in income and estate tax planning,
retirement planning
and
investment management
-
we’re not
salesmen masquerading as advisors.