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The Registry helps investors find, evaluate, and select financial
advisors. Jack Waymire, Paladin founder and author of Who’s Watching
Your Money? The 17 Paladin Principles for Selecting a
Financial Advisor said there are two major markets for this service.
One is baby boomers who suffered severe losses in their
retirement accounts during recent bear markets. The other is current
retirees. He says both groups have been flocking to advisors the
past few years because they believe the professionals’ expertise
will help them win back losses, preserve retirement assets, and
produce better results in the future. What they don’t know, based on
Paladin research, is that at least 75% of advisors are sales
representatives who use expertise as a sales tactic to win investor
assets. Waymire said, “That’s why millions of investors change
advisors every year. At some point they realize they didn’t hire a
real expert for their assets. This usually occurs after their
results
don’t match the excessive expectations that they were sold.
Montecito Capital Management’s (“MCM”) portfolio approach is aimed
at delivering institutional strategies to the average investor.
Large endowments of the likes of Yale or Harvard Universities
have immense advantages over the average investor, not just because
they retain the best investment teams to run the sophisticated
financial assets, but they also have access to many asset
classes typically not considered by retail-level investors. MCM was
founded on the principles of bridging this performance gap by
employing multiple strategies and assets that are geared to
optimize the risk-adjusted return frontiers of client portfolios. We
attribute our success to not anyone investment mantra, but rather in
order of priority, the following: investment class weighting,
diversity of investment classes, strategies pursued, manager’s alpha
(excess return over style benchmark), mean-variance optimization of
each security correlation attribute, periodic investment
tactical adjustments of core strategic allocations and tax
efficiency.
Passive vs. Active Management-What's There to Debate About?
Back in 1992, the organizer of an investment conference telephoned
legendary portfolio manager (and my good friend) John Neff and
invited him to debate with me the issue of passive vs. active
management. John, his candor springing eternal, fired back: Jack's
going to say 'most managers can't beat the index' and that's true.
I'm going to say 'some managers can,' and that's true too.
"What's there to debate about?" He was right, but he was also wrong.
There is an issue worthy of debate: "How large is the margin by
which the market index beats the managers?"
http://www.mcapitalmgt.com
Carrillo Professional Building
225 E. Carrillo, Suite 203,
Santa Barbara CA 93101
Santa Barbara Financial Consultant, Janet L. Barr
The cornerstone of LPL Financial business is providing the highest
level of unbiased financial services and advice so our financial
advisors can concentrate their time and energies on
understanding your individual financial goals, not on product quotas
and sales goals.
Consulting: Hourly based consulting to address specific financial
planning requests are billed at $225/hr (thru 12/31/2009). Most
Divorce settlement planning cases.
Life Planning: Year one of our engagement averages $4,000 for a
couple and $2,500 for an individual, but the fee will be based on
the effort involved and complexity of your specific circumstances.
Subsequent years are quoted based on the situation with a $1,500
minimum, which can be paid via Investment Management fees.
Investment Management: Fees are based on total invested assets. We
have guidelines for a minimum account size of $250,000 or $50,000
waived with $1000 per month invested. A minimum
management fee of $100 per month is accessed. In addition, there is
a onetime $1000 set-up fee that includes 2-3 hours of meeting time
as well as portfolio design, initial paperwork and
implementation. This fee is waived for Life Planning clients.
At Collaborative Financial Solutions, LLC, we strongly believe that
fee-based investment management offers the best combination of
advice and ongoing management, with the greatest assurance
of unbiased and no pressure client service.
Collaborative Financial Solutions, LLC charges a fair management fee
based on the value of your account. The main different between a
Stockbroker and us is that they make a living by charging
their clients commissions. Therefor the more they charge the more
money they make. Stockbrokers often charge 1% - 2% per trade of
stocks, and as much as 5.75% on managed accounts.
Stockbrokers may also have hidden charges such as 12b-1 fees or
surrender fees on managed accounts, surrender fees and substantial
internal expenses on annuities, and heavy markups on
products like unit trusts or bonds.
http://www.collaborativefinancialsolutions.com
101 S. Santa Maria
End at 206 E Victoria St
Santa Barbara, CA93101-2021, US
Walpole Financial Advisors: Santa Barbara
Imagine your financial life as a stately oak tree with each of the
branches representing a different facet of your life—education,
marriage, parenting, health, home ownership, career and so on. To
flourish, those branches need financial nourishment from a solid,
healthy root system. At Walpole Financial Advisors, our job is to
carefully feed that root system with sound planning and timely
recommendations.
At Walpole Financial Advisors we believe that financial planning
services should be fee-only—never tied to commissions. The only
compensation we receive comes from you, our client, so we
don’t face the conflict of interest that is so common in this
business. We may recommend that you buy insurance, sell real estate
or lease your next car, but we won’t profit when you make those
transactions. That way, our recommendations are independent and
objective—always in your best interest. And since at the core, we’re
Certified Public Accountants, our advice incorporates our
expertise in the short and long-term tax implications of every
decision we help you make. That’s something most other financial
advisors just don’t fully understand or simply can’t offer.
Trust! Thanks to our years of success, we’ve gotten to know our
client’s families and watched them grow. When your track record is
strong and stable year after year, the bond that develops
between client and advisor is priceless.
Our clients have not only trusted us with their financial futures,
they’ve shared the ups and downs of their personal life journeys as
well. Simply put, our clients trust us to be there for them so we
are, time and time again.
http://walpoleadvisors.com
Walpole Financial Advisors., LLC
70 Santa Felicia Dr.
Goleta, California 93117
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