INVESTMENT MANAGEMENT IN CHARLOTTESVILLE, VIRGINIA
You’ve spent years building what you have. Now you want someone watching it day to day, adjusting it as your life changes, and making sure it’s still invested the right way for where you are now.
Managing Investments
We're paid only by our clients.
Your interest always comes first.
An owner-operated firm.
Your money is held at Fidelity or Schwab.
WHAT IT INCLUDES
Investment management is the work of building a portfolio for your specific situation, watching it through every market, and adjusting it as your life and the markets change. Here’s what that looks like with us.
Your goals, your timeline, your tax situation, your spending, what you already own, and how much risk fits your life. We build the portfolio around all of it. As your situation changes, the portfolio changes with it.
Your money is spread across stocks, bonds, and other asset classes that move differently from each other, so no single market decides how you do. The specific mix depends on your timeline, your goals, and how much risk fits your situation.
Every dollar paid in fund fees is a dollar that doesn't compound for you. We use low-cost funds where they make sense, and we tell you what you're paying and what you're getting in return.
Your investments are one piece of a larger picture that includes your retirement income, your tax situation, and your long-term goals. We manage the portfolio with all of that on the table.
OUR STRATEGIES
We use two core strategies, weighted differently for each client. G@RY focuses on established companies with steady earnings and consistent dividends. Growth & Opportunity emphasizes companies positioned for above-average growth. The balance between them depends on where you are in your investment life: accumulation, conservation, or distribution.
HOW WE HOLD YOUR MONEY
Your accounts are held at Fidelity, one of the largest custodians in the country. We manage the investments and Fidelity holds the money. We work for you, Fidelity holds your money, and you can see everything we do at any time.
You log in to Fidelity directly with your own credentials. Balances, holdings, every trade we make, and every statement. All of it is visible to you whenever you want to look.
Your accounts are titled to you. We have authorization to manage them, and the only place we can move money to is your bank account on file.
Brokerage accounts at Fidelity carry the standard SIPC protection that applies to all U.S. brokerage accounts, plus additional coverage Fidelity provides on top of that.
HOW IT WORKS
From the first call to the accounts being live and managed, the process is paced so you always know where things stand.
STEP 01
STEP 02
STEP 03
We build the portfolio based on what you’ve told us and what your full financial picture looks like. We place the trades, set up the account structure, and walk you through what you own and why we own it.
STEP 04
We do scheduled reviews at least twice a year, and more often when something in your life or in the markets calls for it. If you have a question between reviews, you call or email Frank. You always reach the same person.
WHY PEOPLE CHOOSE US
The person who builds your portfolio is the person who manages it, who calls you when something needs attention, and who picks up when you call. You're working with the same person, every time.
You pay us directly for our advice and our management. That's our only source of revenue. No commissions, no product kickbacks. As a fiduciary, we're legally required to act in your best interest.
Frank has managed money through 2008, 2020, and every market in between. What holds a plan together in a downturn is having someone beside you who has walked clients through one before.
The firm is independently owned. We answer to our clients and no one else. No parent company setting product quotas, no sales targets, nothing on the shelf to push.
FREQUENTLY ASKED QUESTIONS
Investment management with us is a percentage of the assets we manage, at the same rate for every client at the same asset level. The first conversation is free, and we walk you through pricing on that call.
For the accounts you want us to manage, yes. They move to Fidelity, and we handle the transfer process so it’s not on you to figure out. If you have accounts you want to keep elsewhere, like an active 401(k) at your current employer, those stay where they are.
Taxable brokerage accounts, traditional IRAs, Roth IRAs, rollover IRAs from old 401(k)s, SEP and SIMPLE IRAs for self-employed clients, and trust accounts. If you have something less common, ask on the first call.
Mostly low-cost mutual funds and ETFs across a diversified mix of stocks and bonds, with the specific allocation built around your goals and timeline. We can hold individual positions in some cases, including positions you bring in that you don’t want to sell.
This comes up often. If you have positions with large unrealized gains, we work around them. We build the rest of the portfolio with that holding in mind, and we plan any sales over time in a way that manages the tax impact.
A robo-advisor invests your money in a model portfolio and rebalances it automatically. For some people that’s enough. With us, you get someone who knows your full financial picture, who adjusts the portfolio when your life changes, and who picks up the phone when you have a question.
Scheduled reviews at least twice a year, and more often when something calls for it. Between reviews, you can reach Frank directly. Most clients end up in contact several times a year as life raises questions.
A free phone call. You can schedule it with the button below or call the number at the bottom of the page.
The first step is a free call. You’ll leave with a clearer sense of how your money is set up today and whether working with us is the right fit.
