Why Choose Us?
Fees
The Old Way
2.4%
A typical mutual fund portfolio has fees around 2.4%, this is amongst the highest in the world! Just because you’re paying more, doesn’t mean you’re getting more. Studies have shown that fees are one of the best indicators of performance (higher fees correlate to lower performance).
The K4 Way
1.6% or less
At K4 our advisor fee is 1.0% or less depending on asset level and complexity. We have paired with ModernAdvisor to manage our client’s assets. Their fee is 0.40%, plus an average ETF fee of 0.20%
Transparency
The Old Way
Almost everything in the financial industry is more complicated than it needs to be. This can make it hard to know how your investments are really performing, and how much you’re losing to fees.
The K4 Way
No commissions, no hidden fees, no conflicts of interest. A relationship built on trust cannot have fees hidden away in the fine print. Our fees are written out in plain English and disclosed on every statement.
Comprehensive Financial Plan
The Old Way
So many advisors out there focus only on returns or investments. While this is important it is far from the only topic a financial planner should be focused on.
The K4 Way
We will focus on investment management, but our aim is to provide every client with a comprehensive financial plan that incorporates all 6-areas of financial planning.
Cash Flow Management
Retirement Planning
Asset Management
Tax Planning
Risk Management
Estate Planning
Virtual
The Old Way
A 1 hour meeting was often nearly a 2 hour commitment. Between driving, parking, finding the office, and waiting rooms in-person meetings were always an inefficient use of time and not worth the mediocre office coffee.
The K4 Way
At K4 we value not only our own time but yours. Our commitment to virtual appointments make it more convenient for meetings. Sorry you’ll have to make your own coffee.
Performance
The Old Way
Chasing returns with active management means trying to pick the winners and time the market. Research shows that this approach (aka “the loser’s game”) rarely works for the average investor.
The K4 Way
Growing with the market, our portfolios are designed to keep pace with the markets. Your portfolio is designed by a CFA charterholder, and adjusted based on the amount of investment risk you’re comfortable taking.