Client Focused. Period.

The Align Difference

Let’s face it, there are plenty of places lined up and eager to compete for the privilege of managing your money. How does Align Wealth Management stand apart?

A Unified Team Focused on You

Our primary value lies in the timely and accurate delivery of unbiased wealth management services.  You always know what you own and why you own it.  Rather than being limited to one contact person, you’ll be served by a unified team dedicated to your specific needs.  Our team approach enables us to help you coordinate your entire financial life and eliminate piecemeal, disjointed advice.  We continuously monitor and manage your assets, assist with appropriate asset-titling, deliver tax-wise asset location, perform chores such as trading, re-balancing, record-keeping, tracking cost-basis, and other tax reporting issues.  Additionally, we perform periodic progress reviews and we collaborate with your other trusted advisors (such as your CPA and attorney) to help you minimize your taxes and maximize your resources.

 

YourTeam

 

Established Performance History

We enjoy a long-established history of solid performance that we gladly make available upon request. On a daily basis, every account we manage is tracked by an industry leading third-party reconciliation firm verifying our actual investment performance, net of fees.  Accordingly, at any given time, we are able to precisely document our historical investment performance over a variety of market conditions.

Minimize Excessive Risk, Cost, and Tax

Before investing a penny of your hard-earned money, we work with you to craft a customized plan with a focus on your specific goals, dollars, and deadlines.  Then, we help you implement your plan to help you minimize the chance that you’ll take more risk than you have the ability, willingness and need to take. This focus on understanding risk has been instrumental to our continual delivery of successful investment experiences through both good and bad markets.  We also help you minimize the taxes and costs relative to your wealth management program.

Nationally-Recognized Expertise

With our distinguished credentials and meaningful experience, we have developed a national reputation for wealth management excellence. We have been recognized as one of America’s top wealth management firms by BusinessWeek, Barron’s, Wealth Manager Magazine, Financial Advisor Magazine, etc.

Your Fiduciary

Brokerage firms, banks, and insurance companies bombard you, selling expensive, commission-based products and declining a fiduciary role that is meant to protect your best interests.  To complicate matters, many financial service representatives call themselves “financial advisors” or “wealth managers” when they are actually working as commissioned salespeople for financial intermediaries who pay them handsomely for selling products to you and your family.  Unfortunately, too much of the retail financial services industry is still driven by this conflict ridden sales culture.

We proudly go against the grain.  At Align Wealth Management, we never forget whose money it is.  We are honored to serve you in a fiduciary capacity in all of our business dealings. As advisors registered under the Investment Advisor Act of 1940, we are held to a fiduciary standard requiring us to act solely in your best interest. This fiduciary standard is more stringent than the “suitability” test applied to stockbrockers, insurance salespeople, and registered representatives.  And, we proudly put our fiduciary promise to you in writing.  You and your family deserve nothing less.

Independent and Fee Only

Our only business is fiduciary wealth management. As an independent, privately-owned firm, our recommendations are based solely on your goals and objectives.  We work only for you … not a large financial company, brokerage firm, bank, or insurance company.  In fact, we do not receive any commissions or compensation from any third party.  Every penny of our revenue is derived from fully disclosed fees for the advisory services we provide to you.  Accordingly, every ounce of our allegiance flows directly to you.  We are Client Focused. Period.

Your Satisfaction is Guaranteed

We stand behind our work with a no-questions-asked, money-back guarantee. If you don’t love the work we do for you, simply let us know within the first year, and we will gladly refund every penny in fees that you have paid to us. No questions asked; no strings attached.

Transparent

You enjoy 24/7 access to your accounts from two sources, an independent custodian and a third-party reconciliation agent. We never take custody of your money. Instead, your accounts are held securely in your name with well-known custodians such as Schwab and TD Ameritrade.

A Striking Cost Advantage

Your investment costs are important not only because of the difference lower costs make to ultimate returns, but also because costs are an area that you can control irrespective of the market’s ups and downs.  Align is diligent in ensuring that your total investment costs are among the most competitive in the industry.  Align clients incur no sales loads or 12b-1 fees.  And, Align never charges or accepts a commission.  The result?  Our total cost is typically much less than what some firms charge.

Industry Average

Align

Advisory Fee for $2,000,000 Account 1.00% 0.95%
Third Party Portfolio Management Fee¹ Varies None
Mutual Fund Expense Ratio 1.25%  ² 0.26% ³
Mutual Fund Trading Charges 1.44% 4 0.09% 5 
TOTAL 3.69%      1.30%
Many firms outsource their investment management to a third party asset manager and/or separately managed account, which charge an additional fee that is passed on to the client. 
2 Mutual Fund Expense Ratio Trends, Morningstar – June 2014, Russell Kinnel, Director of Manager Research
3 Average expense ratio of Align Wealth Management’s portfolios.  Portfolio expenses range from 0.23% to 0.32%, depending upon the asset allocation. 
4 Shedding Light on “Invisible” Costs: Trading Costs and Mutual Fund Performance. Roger Edelen, Richard Evans, and Gregory Kadlec – Financial Analysts Journal Vol. 69 #1, 2013
5 Average trading costs of all funds held within Align Wealth Management portfolios. Trading costs data for each fund received from personalfund.com, a third party fund expense calculator. 

Client Focused. Period.

Meet Your Team

 

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