Independent, Fee Only Financial Advisors
Prudent Investors is a fee-only, SEC-registered investment advisor providing portfolio management and financial planning services under a fiduciary standard of care.
We specialize in asset management for both professional fiduciaries (trustees, guardians, and conservators) and households seeking diversified investment solutions. We are experts in helping our clients navigate the unique aspects of trustee investing, including compliance with the Uniform Prudent Investor Act (UPIA). As a thought leader in the field of fiduciary investment management, we present frequently around the country and have authored white papers about prudent investing under the UPIA.
Relationships We Serve
- Individually Settled Special Needs Trust (SNT) Relationships
- 3rd Party SNT Relationships
- Estate Plans including Individuals and Family Trusts
- Retirement Plans including IRAs, Rollovers, Retirement Plans
The Prudent Way
Prudent Investors provides investment management to professional trustees, guardians, conservators and individual households. We believe that the concepts that govern trustees should directly apply to us. Our firm is committed to the following principles:
Being a fiduciary means creating and maintaining the ultimate level of trust. As investment advisers, we believe in following the fiduciary standard and acting in the best interests of our clients. We provide advice and make investment decisions based on what is best for you and your financial needs. This includes avoiding commission products that can result in a conflict of interest and investments that have excess fees. We hold your needs as our own.
The concept of risk versus return is a basic principle in life – to gain something (return), one must give up something (risk). In practice, with volatile markets and a constant news cycle, it can be hard to distinguish whether you’re taking the appropriate amount of risk for your financial goals. Our investment team’s focus is to manage investments in a holistic manner that considers upside and downside risk and its role in your portfolio’s performance.
Appropriate diversification is key in achieving financial success. Portfolios that are properly diversified are better suited to weather shocks to the market better than those with a concentration in a particular stock, sector, or investment. We work to maintain diversification of your investments through financial analysis, portfolio construction, and active management.
A long-term perspective can help maintain calm even during the strongest winds. Whether it be retirement or a wealth transition, we know that decisions need to be made with the end in mind. We believe that there are no shortcuts to wealth creation and that prudent investing means having a goal and staying the course.