- What is your investment philosophy?
- How do you charge for your services?
- Do you charge separately for financial planning and investment management services?
- How often will I hear from you?
- What services can I expect?
- Do you work with clients who live outside of the region?
What is your investment philosophy?*
At Brown Financial, there are three fundamental factors (the “3-Ds”) that we use to help insure long-term success: Diversification, Dominance and Discipline.
Diversification means more than selecting lots of different types of investments. Brown Financial uses strategies to help insure that your portfolio participates in global market opportunities while managing the risks associated with the unexpected. It is a conservative approach that is designed to help protect your savings while providing you with the growth you need to meet your goals.
Dominance: It is easy to argue that the best way to realize the best returns is to work with the best managers. At Brown Financial, you benefit from the research tools we use to help you identify the stars of our industry. By picking the dominant players in the investment world, you benefit from the world-class expertise of their teams. Also, by working with a Registered Investment Advisor like us, you have the opportunity to pool your assets with our other clients and to purchase lower-cost, institutional investments which save you money and provide more opportunity for growth in your savings.
Discipline: The investment management discipline you will find at Brown Financial is time-tested and has been proven to be successful in good markets and bad. Especially in uncertain times, it is important to know your strategy well and to stick with it. Your future financial security is at stake and we believe that sticking to the fundamentals and avoiding the “next new thing” is how we protect our clients. This is our discipline.
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How do you charge for your services?
As a fee-only advisor, we charge in one of three ways: as a percentage of the assets we manage for you, as an ongoing flat fee, or as an hourly fee.
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Do you charge separately for financial planning and investment management services?
When we manage the investments for our clients, we also provide ongoing financial planning as part of the engagement and for no additional cost.
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How often will I hear from you?
In the first year, we typically conduct quarterly meetings to make sure you are comfortable with the process and understand the reports you have received. After the first year, the meeting schedule is at your discretion but most of our clients meet either semi-annually or annually. Additionally, we send out quarterly performance reports that show you a comprehensive picture of your portfolio and how it is performing and a quarterly newsletter that updates you on the state of the economy and helps to keep you current on potential financial planning opportunities.
What services can I expect?
There are a number of ongoing services you may expect when working with us. First, we review our clients’ investment portfolios at least quarterly. During this review, we rebalance the portfolios to keep them in line with each client’s Investment Policy Statement and target allocation, we review all of the positions in the account(s) to make sure that they are performing as expected and to insure they are still appropriate for the portfolio and we perform tax loss harvesting when it is appropriate. Additionally, we help clients answer any number of planning questions like, “Should I pay off my mortgage,” “Do I have enough life insurance,” “What should I do to help pay for my children’s college,” “How much will I need for retirement,” and “How should I design my portfolio” among many others. Our goal is to be the primary resource for all of our clients’ financial needs.
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Do you work with clients who live outside of the region?
Yes. Brown Financial Advisory offers fee-only financial planning for clients all over the country, but many of our clients live or work in Fairhope AL, Mobile, Foley, Daphne, Spanish Fort, Orange Beach, Gulf Shores, Pascagoula MS — along the I-10 corridor from Biloxi, MS to Pensacola, FL. Contact our office to set up a complimentary introductory consultation.
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*Securities investing involves risk, including the potential for loss of principal. There is no guarantee that any investment plan or strategy will be successful. Please see our disclosure page for more details.