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Analysing Data

Wealth Management

 

Transparent, Fee-only, & Goal-Oriented Investing

Wealth Management Services

The plans above have a single low asset under management fee (AUM).  There are no hidden fees, no trailing fees, and no trade commissions (except those a custodian may charge if selling out of existing MF postions). Custodians may have additional special servicing fees for services like wire transfers.

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*Some clients may have different contracts as our business has evolved over time.

Investment Philosophy

Our Investment Philosophy

 

See how this aligns with our Mission, Values, & Culture

Our priority is helping you progress towards your goals, not chasing unrealistic returns.

We aim to align our clients' investments with their:

  1. Life Goals

  2. Appetite for risk

  3. Time-horizon 

  4. Intended use

  5. Tax objectives

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We believe that the best investors are humble ones. To us this means we favor passive over active, we tilt towards value and profitability, and favor international diversification over home-country concentration.

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We try to give our clients a diverse exposure to markets, sectors, and asset classes while seeking to avoid market bubbles and viewing market corrections as opportunities.

What is Wealth Management? Read about it here.

T. Mann Financial's Wealth Management
Customized Portfolios

Wealth Management

An integrated, customized solution that goes beyond simple asset allocation.

We have the independence to offer Alternative Investments to accredited investors and are well positions to offer our clients the tools they need to help protect their assets.

Investment Methodology

How are you prepared for a market downturn?

Click here to get a complimentary Portfolio Analysis

Our Investment Methodology

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  1. Start with the client's goal-oriented asset allocation.

  2. Determine the appropriate account type (tax-advantaged or taxable).

  3. Filter out expensive mutual funds (see why below).

  4. Filter out funds with low volumes (this improves liquidity).

  5. Filter out funds with high expense ratios (lowers the cost of ownership).

  6. Select the 3-5 funds in each asset class.

  7. Compare the performance, yields, holdings, etc. of the funds.

  8. Review to make sure no over-weighting took place.

Best Funds

We build portfolios using technology that matches your risk tolerance

Risk Scores: Allow us to build customized portfolios

Low-risk
Diversifcation

Risk Score: 75

Portfolios Can Include:

  • Stocks

  • Bonds

  • Index Funds

  • Exchange Traded Funds (ETFs)

  • Alternative Investments

What sets us apart

  • The independence to offer a full range of investment options.

  • 100% Fee Transparency

  • No 1-800 numbers, just real people

Risk Scores
Why we prefer ETFs to mutual funds

Why we prefer ETFs to Mutual Funds

ETFs VS Mutual Funds

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  1. ETFs typically have much lower expense ratios (ongoing expenses). 

  2. ETFs have no up-front or deferred sales charges (up to 8.5%).

  3. ETFs have no ongoing 12B-1 fees weighing down on returns.

  4. ETFs are more liquid because they are traded on the market and don't have surrender charges.

  5. ETFs are more tax efficient because less trading is done inside the accounts.

  6. ETFs have no minimum initial investment requirements beyond the value of a single share.

  7. ETFs tend to have higher returns than their mutual fund equivalents because of their fees. 

Link to the FINRA Fund Analyzer Tool

This web tool allows you to compare the costs and fees of different mutual funds and ETFs to help make informed investment decisions.

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