Less than $100,000 to Invest

Over the years you’ll likely change jobs a few times. Your goals and risk tolerance will change, too.

My investment ideas are only as good as their ability to keep up with you, so it all starts with getting to know you and your current investing situation. You may simply need your portfolio fine-tuned, or perhaps major changes are in order. Whatever the case, I’ll recommend a customized portfolio that addresses your needs and goals. And, as your financial advisor, I’ll commit to reviewing your portfolio at least once a year.

Because my fee-based accounts need a minimum of $100,000 if you have less than this to invest I usually charge a commission or an hourly rate.

  • I use mutual funds and exchange traded funds (ETFs) that have passed my due diligence process screening for low fees, historically competitive performance, low fund turnover, and long manager tenure.
  • I work with all types of account registrations: IRAs, Roth IRAs, 403(b)s, SEPs, SIMPLES, 529 Plans, etc. After the portfolio is set up, you receive monthly or quarterly statements, and you can follow your account online at CirStatements.
  • The custodian for the accounts will be either Pershing, a Bank of New York Mellon company or directly with the fund family.
  • Periodically we meet to check if the portfolio is on track to meet your goals and to check performance and discuss rebalancing.
Less than $100,000 to Invest

Past performance is no guarantee of future results

All investing involves risk. Depending on the types of investments, there may be varying degrees of risk. Investors should be prepared to bear a loss, including a total loss of principal. Diversification and asset allocation strategies do not assure a profit or protect against loss.