Reap The Benefits of Intelligent, Cost-Effective Investing!

 

I invite you to consider investing some portion of your portfolio with my firm, FSBWinchester.  We do not seek to replace any existing advisor you may have, but to supplement same.

I have posted in the previous blog entry the four portfolios which I have created and offer to clients.  Please note the conclusion regarding returns and fees.

Each of our portfolios is comprised of a percentage of US and foreign equities, and US Bonds.  Crucially, our total fees are 0.5% of your account value, measured at end of quarter.  This is ¼ to ½ of those fees charged by “traditional brokerages” for similar services.  This savings, and the compounding effect of same on your account, is critical to our model’s success.

A few important points to note:

•  FSBW serves no conduit function or holding capacity for funds (a la Madoff).  All client accounts are transferred directly from wherever they currently reside to a Fidelity account to which FSBW (and the client) have access.  Alternatively, a client account may be established by simply writing a check.  A client may decide to terminate FSBW’s access to same at any time without “cashing out”, transferring to another brokerage firm or worrying that the whole thing was some sort of ruse.  If FSBW ceases to exist or I am struck by lightning on a golf course, the client’s account will continue with Fidelity without interruption.
• FSBW, as set forth on our website and in our blog, runs SOLELY a non-discretionary system, BY DESIGN.  There is no credit, nor blame, for any account’s performance.  All results are simply an operation of the model, choosing your optimal ratio of exposure to US equities (by purchase of the ENTIRE market), foreign equities (again, measured by the broadest, and oldest, known index) and the bond market (by purchase of the US Treasury Index). This is done for two reasons:  1. Primarily, this is mathematically the most effective method of investing.  If our job is to maximize your account value over time, this is the historically-observed most efficient model; and 2. This method eliminates all advisor/client disappointments.  There is no, “Why did we buy Coca-Cola” or “What about this new start-up in Minnesota that has this wonderful NEW IDEA”.  If you wish to engage in those sorts of flights of fancy, you may always do so on your own, but, honestly, you have much better odds in Las Vegas.
• My clients DO NOT USE their FSBW accounts for “transactional” or “month-by-month” purposes.  All of their auto-pays, auto-deposits, etc. are left by the client in whichever account they currently reside.  Your new FSBW account is not meant to REPLACE your “transactions” account, but to supplement it. Most clients retain some already-existing account with a major brokerage and simply “carve out” a portion thereof to invest with FSBW.  (Once they see the return differential, they end up “carving out” more.)

To learn more, please feel free to visit website at www.FSBWinchester.com or our blog at http://fsbwinchester.com/blogspot.

Investing with FSBW is terrifically more-cost efficient, would produce a superior result and you would have the added benefit of dealing with someone you know, like and trust.  Why continue to over-pay for under-performance (which, due to compounding, significantly increases that same under-performance)?

Respectfully,

Robert C. Broderick, Jr., Esq.

Principal

FSB Winchester Asset Management, LLC