Professional credentials such as CFA® (Chartered Financial Analyst) or CFP® (Certified Financial Planner). Professionals who hold these credentials have received specialized education in finance, portfolio management, capital markets, investments and ethics, and have passed rigorous examinations.
An advisor who accepts full-time fiduciary responsibility.
An advisor who is fee-only. This eliminates the incentive to recommend products that compensate the advisor and potentially bias their judgment.
Are you a fiduciary?
Yes...100% of the time.
What does it mean to be a fiduciary?
A fiduciary is a person or organization legally and ethically required to manage another person's money or property strictly for that person's benefit. They must put the client's or beneficiary's interests above their own and uphold the highest standard of care and loyalty under the law.
Registered Investment Advisors (RIAs) like Clothier Springs are required by regulatory authority to be fiduciaries.
In addition, we adhere to the CFA Institute Asset Manager Code, demonstrating our commitment to ethical behavior and the protection of investors’ interests.
How do you invest portfolios?
Clothier Springs Capital Management builds client portfolios of ultra-low-cost Index-Based Exchange Traded Funds (ETFs).
We allocate client portfolios according to the return objectives and risk tolerances of each client.
We allocate to:
U.S. & Global Stocks
U.S. & Global Bonds
U.S. & Global Real Estate
U.S. Preferred Stocks
U.S. Cash & Short-Term Bonds
Broad diversification (from index-based ETFs) is a primary risk management tool.
Global allocation offers the widest possible exposure to markets, returns and assets that are not perfectly correlated—further reducing risk.
As such, our clients get portfolios that maximize return potential for any given risk level.
ETFs are the great democratizing financial product of our time, allowing advisors/investors/clients both large and not-so-large to build optimized, low cost portfolios and the best chance to meet their objectives over their time horizon.
How do you get paid?
We earn a very competitive asset-based fee—an annual percentage of your assets we advise and manage.
We scale our percentage rates down as your total managed assets increase, using tiered breakpoints.
What supporting services do you provide or offer?
Supporting services will or may include:
Personalized Financial Planning
Stress Testing & Monte Carlo Simulations
Asset & Liability Study
Goals-Based Planning
Funded Status Reporting
Retirement Planning
Retirement Spending & Budgeting
Tax-Efficient Portfolios
Behavioral Coaching
Concentrated Equity Management
Risk Modification: Index-Based Options Strategies
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