Today’s market complexity and volatility demand specialized attention with a holistic approach to Asset Management. Whether the objective is growth, income, or stable preservation, Aga Capital Management provides the intellectual capital and necessary experience to offer a truly dynamic approach to a client’s investment management objectives.
At Aga Capital Management Private Asset Advisory our goal is to provide our clients the strategies and advice that is typically only available to institutional investors.
A broker is typically an individual who charges a commission for executing buy and sell orders submitted by an investor.
Many brokers are employed by the financial company which they represent. They offer retail products such as mutual funds, stock, bonds and annuities. These products are specifically designed to provide easy access to a retail client to financial markets for a commission. Some of these products may be owned by the financial company represented by the broker and may provide a high level of profit to the company. To learn more, see ‘MUTUAL FUND FLAWS: DO YOU KNOW WHAT YOU OWN?’ below.
Institutional investors are typically managed by financial advisors. Financial advisors have a fiduciary responsibility to act in the client’s best interest. Accounts managed by financial advisors normally have a flat annual fee that is based on the size of the portfolio. The fee is transparent, so each and every client knows how much their portfolio is being charged. This allows for objective advice that is not clouded by commissions.
As a fee based client, you will not pay any transaction costs associated with your portfolio* (nominal transaction charges and internal expenses charged by certain investment products may apply). This helps ensure that our recommendations and advice are aligned with you and your goals. You will no longer have to worry if this is in your best interest or the advisors best interest.
This structure allows us access to almost every investment in the market place. This includes Exchange Traded Funds, Index Funds, No Load Funds, Stocks, Bonds, and commodities. This freedom gives us the ability to pick the most cost effective investments to represent you and your bottom line.
For some individuals, it may be possible that some of your fee can be structured as an itemized deduction on your tax return. This tax savings helps further reduce your cost of investing. Unlike other investment options where those costs cannot be itemized.
This approach may provide greater liquidity and the increase ability to transfer or sell your positions at any time. This flexibility will give you the confidence that you will never be stuck with a product you do not want.
At most retail companies, the account managers responsible for clients’ accounts work with products marketed by their company. Their job is to sell products. It is rare to find account managers who are dedicated to their craft and carry advanced and specialized designations.
Wealth managers often are highly specialized and typically have advanced certifications or designations such as CERTIFIED FINANCIAL PLANNER CFP ®, Chartered Financial Analyst CFA ®, or Certified Public Accountant CPA ®. The organizations that govern these professionals hold them to a higher standard of education, experience, examination and ethics. Due to these higher standards, these professionals offer a comprehensive approach to meeting client’s needs. At Aga Capital Management, we are committed to providing our clients with the best possible advice. Our financial planners carry several designations and are focused on providing our clients with the most appropriate strategies to help pursue your ever evolving needs.
At Aga Capital Management, we implement a multi-disciplinary approach to help our clients efficiently align with their goals.
"Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in corrections themselves"-Peter Lynch
Retail money management consists of professional money managers making portfolio decisions for all the retail clients who are invested with the money manager. These professional money managers who actually make all the buy and sell decisions are typically not accessible. As a result, it is up to the broker or account manager to provide and dissemble the information to a retail investor.
Institutional investors receive information through an Investment Policy Statement. An IPS is a document drafted between a portfolio manager and a client that outlines general rules for the manager. This statement provides the general investment goals and objectives of a client and describes the strategies that the manager should employ to meet these objectives. Specific information on matters such as asset allocation, risk tolerance, and liquidity requirements would also be included in an IPS.
At Aga Capital Management, our financial planners will work with you to develop your own personal Investment Strategy and will regularly review progress towards your goals.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual, nor intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a one of our advisors.
Investing involves risk including loss of principal. No strategy assures success or protects against loss.