1. Where will my assets be held, and how will I know they are safe?

If we manage your investments, they will be held by a custodian, either a mutual fund company or a broker. The custodian will send regular transaction and status reports directly to you. MC² Financial Advisers provides expert investment advice, but there will always be a clear division of responsibility concerning the safeguarding and whereabouts of the assets themselves.

2. How much will it cost?

When considering important value added financial services, the net cost is what’s important. We are confident the professional attention given to your portfolio will result in enhanced performance. That’s not to say your investments will always go up, but that overall you will likely do better. In that sense, then, our services should, at least, pay for themselves. It is not difficult to contrast the considerable benefits of a properly planned, maintained, allocated, tax efficient portfolio, and the woeful result of mistakes, from which some investors never recover. MC² charges an annual fee of 1% of the average balance of managed assets, one fourth of that amount billed quarterly. Reduced percentages are charged on larger investment amounts. Depending on the amount invested, the fee may also cover accompanying financial planning and related services. A minimum annual fee of $1,000 applies to managed assets. Stand alone financial planning, when appropriate, is available on an hourly basis.

3. What does Fee Only mean?

The great majority of investment brokers and advisers are paid up-front commissions (at the time of sale) by the companies whose products they sell. In the end the investors pay those charges through reduced investment returns. The typical investor seldom knows how much the commissions are. Fee Only advisers, on the other hand, accept payment only from their clients. The payments are spread over the same period services are rendered (pay-as-you-go). Fee Only advisers accept no commissions or marketing fees. They sell no products, and have no need to garner new investments in order to make money. MC2 advisers are totally objective, and will direct investments to any excellent mutual fund company, including those that don’t pay commissions, such as The Vanguard Group®.

4. What commitment is required?

None. Although the Security Commission requires a contract between a client and an investment adviser, our policy is that either party can terminate it at anytime with no penalty. The contract simply reduces to writing the services to be performed and the fee to be charged.