We construct equity portfolios using blue chip companies which consistently increase their dividends. Most of our portfolio holdings not only have long track records of paying dividends, but have a record of increasing their dividends every year for at least the last 10 years.

Our clients realize significant savings compared to most other advisors, brokers and financial planners because our clients don’t pay double fees.  Most advisors are paid sales commissions and trailing fees for selling their clients mutual funds.  Those who do not charge a fee for their services which is in addition to the mutual fund or exchange traded fund fees.

An additoinal benefit of our model of using individual stocks and bonds is that both we and our clients can know exactly what securities we are invested in, why we choose that security, and how it works to meet their retirement income and portfolio growth requirements.  This transparency is comforting to both our clients and to us.

Occasionally and with smaller accounts, we will use mutual funds or exchange traded funds to efficiently make investments in markets where we can not obtain our desired allocation with individual securities.  In these cases we prefer to use Vanguard products.