Altruist Financial Advisors LLC
Fee-Only Investment Management

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Altruist offers three types of services: 

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ALTRUIST Portfolio Management Service provides you with professional management of your investment portfolio.

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ALTRUIST Comprehensive Financial Plan Service provides you with analysis and advice on virtually all aspects of your financial life.  For many clients, the savings from our advice allows the service to pay for itself in less than a year.  This service is designed to prepare investors to transition to the ALTRUIST Portfolio Management Service.  Prospective clients who do not intend to transition to the ALTRUIST Portfolio Management Service should not buy this service.

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ALTRUIST Investing Plan Service provides you with a completely custom asset allocation, with specific recommendations on tax-sensitive asset location and specific investments.  This service is a subset of the Financial Planning Services and is designed strictly to prepare investors to transition to the ALTRUIST Portfolio Management Service.  Prospective clients who do not intend to transition to the ALTRUIST Portfolio Management Service should not buy this service.

Of course, all ALTRUIST services come with our unique Complete Satisfaction Money Back Guarantee.

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ALTRUIST Portfolio Management Service

ALTRUIST Portfolio Management Service

The ALTRUIST Portfolio Management Service provides clients with ongoing management of their investment portfolios.  We provide this service with a unique twist: any time we feel a change needs to be made in a client's portfolio (which typically is only every two or three months), we put our recommendation in writing, along with detailed rationale.  Clients are then able to either approve, reject, or modify our recommendation before it is implemented.  This precludes the possibility of unfortunate "surprises" after the fact.  Clients are rarely surprised because they are well apprised of the likely (and less likely) effects of everything we do before we do it.

In addition to investments available to all retail investors (e.g., those of Vanguard), Altruist clients are able to invest in the sophisticated institutional mutual funds of Dimensional Fund Advisors (DFA).  These funds are designed primarily for institutional investors and may be the best funds available in many asset classes.

For the ALTRUIST Portfolio Management Service, Altruist receives an annual fee based on percentage of assets under management as per the fee schedule below, paid quarterly in arrears, computed based on the value of the portfolio at the end of the quarter.

Fee Schedule for ALTRUIST Portfolio Management Service

First $10,000,000

0.235% per year (i.e., 0.05875% per quarter)

Next $10,000,000 0.11% per year (i.e., 0.0275% per quarter)
Next $30,000,000 0.055% per year (i.e., 0.01375% per quarter)
Next $50,000,000 0.03% per year (i.e., 0.0075% per quarter)
Subsequent amounts 0.02% per year (i.e., 0.005% per quarter)

There is a minimum annual fee of $20,000 per year (i.e., $5,000 per quarter) for the ALTRUIST Portfolio Management Service.  Generally, Altruist will not accept accounts of less than $2,000,000, but exceptions may be made on a case-by-case basis.

In addition to the above fees which Altruist receives, clients will be responsible for mutual fund expenses and custodial fees.

For more information on the ALTRUIST Portfolio Management Service, click here.

For more information on why hiring an investment advisor might be beneficial, click here.

ALTRUIST Comprehensive Financial Plan Service

ALTRUIST Comprehensive Financial Plan

This is our premier service offering.  It includes a comprehensive analysis of nearly all aspects of your financial life.  The end result is typically a 60-70 page document summarizing our analyses, recommendations, and rationale.  It includes a 12-month consultation enrollment whereby you will be able to consult with Altruist financial planners at no additional fee, for 12 months. 

For many clients, the savings from our advice allows the service to pay for itself in less than a year.  This service is designed to prepare investors to transition to the ALTRUIST Portfolio Management Service.  Prospective clients who do not intend to transition to the ALTRUIST Portfolio Management Service should not buy this service.  For more information on the ALTRUIST Comprehensive Financial Plan, click here.

Fee:  $2,950.

Note that when you subsequently go on to purchase our ALTRUIST Portfolio Management Service, we will credit your account for $1,000 in order to avoid a duplication of fees for overlapping services.

ALTRUIST Investing Plan Service

ALTRUIST Investing Plan

Investors who have no need for the comprehensive, holistic analyses of the ALTRUIST Comprehensive Financial Plan can enroll in the ALTRUIST Investing Plan.  The ALTRUIST Investing Plan focuses exclusively on Investments, preparing the client to transition to the ALTRUIST Portfolio Management Service.    Those who do not intend to transition to the ALTRUIST Portfolio Management Service should not purchase this service.  Unlike the ALTRUIST Comprehensive Financial Plan, the ALTRUIST Investing Plan does NOT include a 12-month consultation enrollment.  For more information on the ALTRUIST Investing Plan product, click here.

Fee:  $1,350.

 

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