Do you make money from institutions or fund managers when you recommend their funds?

No, we are an independent RIA and a Fiduciary. So we only make recommendations that we believe will help your portfolio. In rebalancing, we take transaction fees, expense ratios, and liquidity into consideration and only choose to incur fees if the projected benefits outweigh the costs for your portfolio.

Depending on which custodian you are at (TD Ameritrade or Fidelity) we may recommend funds that are on the commission free list. These recommendations are independent of our business partnership, and have more to do with keeping cost low to you.