What We Don’t Do

› We don’t accept payment, fees or other bonuses to invest in certain products or securities.

› We don’t charge a performance fee.

› We don’t sell insurance

› We don’t impose gates or restrict your access to your money. Nor do we charge any redemption fees.

› We don’t invest your assets in hedge funds, private equityThe amount of money that would be returned to shareholders if a company’s assets were sold off and all its debt repaid., non-traded REITS or other non-liquid, high-cost partnerships.

› We don’t hold your assets in a proprietary account. Your assets are held with large, reputable custodians such as Fidelity Investments, TD Ameritrade or Charles Schwab.

› We don’t use proprietary investment vehicles. All of your investments are made in transparent, regulated, liquid securities such as mutual funds, stocksA financial instrument giving the holder a proportion of the ownership and earnings of a company., bondsA financial instrument representing an IOU from the borrower to the lender. Bond issuers promise to pay bond holders a given amount of interest for a pre-determined amount of time until the loan is repaid in full (otherwise known as the maturity date). Bonds can have a fixed or floating interest rate. Fixed-rate bonds pay out a pre-determined amount of interest each year, while floating-rate bonds can pay higher or lower interest each year depending on prevailing market interest rates., exchange-traded fundsA type of security which allows investors to indirectly invest in an underlying basket of financial instruments (these may include stocks, bonds, commodities or other types of instruments). Shares in an ETF are publicly traded on an exchange, and the price of an ETF’s shares will fluctuate throughout the trading day (traditional mutual funds trade only once a day). For example, one popular ETF tracks the companies in the S&P 500, so buying a share of the ETF gets an investor exposure to all 500 companies in the index. and various cash instruments.