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Strategies

Active 401(k) Management

Financial Planning

Customized financial plans and guidance for:
Retirement Strategies, Budgeting, Tax Efficiency, Social Security Strategies, Investing, College Expenses, and more.

High Net Worth

  • Contact us to find out about our concierge service for investors with over $2 million.

Dave Ramsey Fundamentals

We believe in Dave Ramsey’s investing philosophy and guide our clients to follow his foundational principles: pay off debt first and then invest for long term growth by working with a financial advisor that has the heart of a teacher. Research consistently shows the considerable value added by working with an advisor instead of going it alone.

Dave Ramsey Fundamentals

We believe in Dave Ramsey’s investing philosophy and guide our clients to follow his foundational principles: pay off debt first and then invest for long term growth by working with a financial advisor that has the heart of a teacher. Research consistently shows the considerable value added by working with an advisor instead of going it alone.

Commission vs Managed

Fee-based (managed) accounts charge an ongoing fee based on your total assets (this is expressed as an annual charge, typically paid on a monthly basis). These accounts offer more investment options and allow for greater flexibility as your financial professional can modify your investments on an ongoing basis. Think of this like a subscription fee with no commitments. Your financial professional regularly manages the accounts and has a Fiduciary duty to put your interests ahead of their own.

Commission accounts charge a one-time upfront fee on any new money (your initial investment and ongoing contributions). Although this type of account can be cheaper, especially with breakpoint discounts, flexibility is limited as you need to stay within the same investment company. Moving to another investment company would require paying a new sales charge. These accounts are used for investors that anticipate very little trading. They are not regularly monitored and do not require your financial professional to act in a Fiduciary capacity.

Commission vs Managed

Fee-based (managed) accounts charge an ongoing fee based on your total assets (this is expressed as an annual charge, typically paid on a monthly basis). These accounts offer more investment options and allow for greater flexibility as your financial professional can modify your investments on an ongoing basis. Think of this like a subscription fee with no commitments. Your financial professional regularly manages the accounts and has a Fiduciary duty to put your interests ahead of their own.

Commission accounts charge a one-time upfront fee on any new money (your initial investment and ongoing contributions). Although this type of account can be cheaper, especially with breakpoint discounts, flexibility is limited as you need to stay within the same investment company. Moving to another investment company would require paying a new sales charge. These accounts are used for investors that anticipate very little trading. They are not regularly monitored and do not require your financial professional to act in a Fiduciary capacity.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and SmartPro Financial are not affiliated. This communication is strictly intended for individuals residing in the states of AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY.
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