Investing

At Key Financial Solutions, we establish a well-conceived, long-term investment strategy, rather than one based on ad hoc reactions to short-term market fluctuations by:

• Developing a comprehensive Investment Policy Statement to achieve your goals.
• Designing your portfolio with appropriate mutual funds.
• Establishing management and performance criteria for the monitoring of your portfolio.

We Avoid Conflicts of Interest

You may not be aware of this, but many financial services firms are compensated, in whole or in part, by selling a product, some of which may not be appropriate for you. Massive advertising of how much financial advisors care about you does not change the fact that there is a built-in conflict of interest.  As a fiduciary, you put your faith and trust in us, and we legally affirm that we will act only in your best interests at all times.

Registered representatives of broker/dealers (e.g., stockbrokers) are not required to put your interests first. (Read their disclosure documents to understand this.) Since we are a fiduciary, you get advice that is untainted by conflicts of interest. Our compensation is 100% “fee-only” all the time, under all circumstances.

Our Structured Disciplined Approach

We apply sound academic research to the practical world of investment management. We use the best no-load, low-cost mutual funds available to provide globally diversified portfolios.

We concentrate on the three things we can control, namely costs, taxes, and asset allocation, and diversify to protect your portfolio against those risks that we cannot control.

Mutual Fund Selection

As independent fee-only financial planners, we do not benefit from the selection process, the choice of funds or the implementation of our advice. We are free to choose from among thousands of mutual funds. We believe the best choice for our clients are the institutional, “asset class” funds of Dimensional Fund Advisors, as well as low-expense funds of The Vanguard Group.

Our Investment Management Fees