All of our actions in our Financial Planning and Investment Management engagements are guided by four principles:
1. Conflict-Free
2. Active Management
3. Liquidity and Flexibility
4. Personal Care
Conflict-Free
“We take a ‘conflict-free’ approach to everything we do to ensure that our only consideration in analyzing and recommending specific actions is helping our clients accomplish their financial and personal objectives. Many investment advisors offer commission-based services. We believe such an approach inevitably breeds conflicts of interest. First, firms selling commission-based services are compensated by the investments or products they recommend and implement. Second, these firms’ commissions are immediately subtracted from an investment—regardless of whether or not wealth has been created for the investor. Our business exists to help clients steward their resources and improve their quality of life. As such, we offer our investment management and financial planning services on a “fee-only” basis, meaning we are not compensated by the investments or products we recommend and implement. Our “fee-only” policy eliminates potential conflicts of interest and ensures that our clients’ investments are dedicated entirely to building wealth.” (Back to Top)
Active Management
“We believe that the ability to make rapid assessments and take action quickly is
fundamental to delivering exceptional performance—especially in a rapidly changing marketplace. As such, we take care to assess the investments in our clients' portfolios, and the market as a whole, with frequency and rigor.” (Back to Top)
Liquidity & Flexibility
“We believe no-load mutual funds offer the best wealth building strategy. Liquidity and flexibility are fundamental to effective money management. Conversely, we believe that any investment strategy or tool that limits a client's ability to change
direction, or penalizes the client for doing so, must be approached with extreme caution. As such, we strongly urge clients to favor those strategies and investment tools that afford them flexibility to change course as their goals and situations change. We dissuade clients from insurance or annuity-based approaches, which can lock people into specific investments for long periods of time and severely penalize those who seek to change direction.” (Back to Top)
Personal Care
“We find great satisfaction and joy in helping improve the quality of our clients' lives. As such, we are committed to building a deep understanding of each client's individual goals and concerns—and to sustaining effective, two-way communication with our clients. This is fundamental to providing every client with a level of personal care that is rare in our industry.”
We invite you to contact us today, at no obligation to you, to learn more about Bell's Investment Management and Financial Planning services. (Back to Top)
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