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The firm is a Fee-Only
Registered Investment Advisor
specializing in no-load mutual
funds.
Financial Planning
l
Asset Management Services
l Retirement Planning
The firm is a Fee-Only
Registered Investment Advisor
specializing in no-load mutual
funds. We are interested only in
assisting serious long-term
investors achieve their
investment objectives. Our
philosophy is to invest 100% of
your money by avoiding sales
commissions between 3% and 8%
that are associated with loaded
funds sold by brokers. We
consider the client’s goals and
objectives together with the
investor’s time horizon, assets,
and risk tolerance in
construction of the Investment
Policy Statement and Portfolio
Asset Allocation. In addition,
we have the ability through our
affiliation with a
nationally-recognized
broker/dealer to purchase a
variety of mutual funds and
other investment products listed
on major stock exchanges.
Financial Planning
Our approach to financial planning is to consider your financial situation, goals and objectives. We will also consider your time horizon, asset base, and risk tolerance. Upon this foundation, we can design a comprehensive financial plan or a modular plan, such as education funding or retirement planning.
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Stocks, Municipal &
Government Bonds
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Mutual Funds & Exchange Traded Funds (ETF)
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Traditional & Roth IRA (Individual Retirement Accounts)
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Roth Conversion – Special Rules for 2010 Only
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Qualified Tuition Programs (QTP) & Educational Savings Account (ESA)
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Simple & SEP (Self Employment Retirement Accounts)
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401(K) Advisor & Trustee
Asset Management Services
By far the most important
decision you will make regarding
selection of a Professional
Asset Manager is—“Whom should I
trust to invest my money?”
Consider the sales
broker. The
investment houses hire him to
sell you the most profitable
investments for the brokerage
firm. Do conflicts of interest
exist? Does the investor suffer
due to commission-based pay,
poor quality of the investment
products, and high fees? And why
are they always trying to sell
you something? Sounds like a
great deal for everyone
involved--except you, the
investor. On the other hand, you
could hire an independent
unbiased Regulated Investment
Advisor (RIA). The State of
Washington carefully monitors
these advisors and holds them to
the highest standards in the
industry. When you hire a
Fee-Only Regulated Investment
Advisor, this investment
professional works for you. In
this industry a wise investor
should seek an Investment
Professional (RIA) who places
the client’s financial
well-being above all else. This
professional truly works for
you. He is free of conflict of
interest, has no sales quota,
selects the investments of the
highest quality, and with the
highest risk-adjusted rate of
return. He regularly reviews
your account to stated
objectives and rarely contacts
you regarding exchanging
securities. As you can clearly
see, there is a vast difference
in the incentives affecting
investment professionals. When a
client selects Randolph as his
investment advisor, he selects a
fiduciary of the highest
caliber. Randolph will ask the
tough questions, perform due
diligence, and determine the
suitability of the investment
for the client. In addition, he
will produce a written
Investment Policy Statement
outlining the investment
strategy. Randolph will educate
the client so he can make
informed and intelligent
decisions regarding his
investments. And Randolph will
be there every step of the way
to guide you to Financial
Independence.
Retirement Planning
Everyone wants a golden
retirement... but saving for
retirement is no easy task.
With Social Security's assets
being consumed and the number of
workers who will support the
system shrinking, we will have
to rely more on our personal
savings when it is time to
retire. We can help guide you to
many safe and secure retirement
options:
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Money markets
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Certificates of Deposit (CD) & CD Laddering
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TIPS, Government & Corporate Bonds
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Mutual Funds & Exchange Traded Funds (ETF)
We have a myriad of options to
help each of us prepare. Yet,
without a plan of action, many
will find themselves falling
short when it is time to retire.
Call us today.
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