Working with a Fee-Only Fiduciary
A fiduciary is legally and ethically bound to act in the best interests of their clients. This means no commissions, no hidden fees, no conflicting loyalties, ever. This allows us to align ourselves with our clients in every way possible, enabling a more transparent conversation about how their portfolios are managed.
Our Commitment to You
Portfolio Holdings
We believe in investing alongside our clients. We invest our own money in the same holdings as our clients.
Compensation
In the investment industry, it is not uncommon for advisors to be paid by the products they invest their client’s money into. These are often referred to as “sales loads” or “commissions.” We think this presents a clear conflict of interest and Patina Wealth does not invest in products that pay “sales loads” or "commissions.”
Portfolio Monitoring and Rebalancing
Patina Wealth monitors client portfolios throughout the year and rebalances when markets become volatile. We believe in “opportunistic” rebalancing instead of only at certain, predetermined, points during the year.
Fee Transparency
Every aspect of a financial advisor/client relationship should be fully transparent. Our clients know, up front, exactly what their fee will be.
Portfolio Diversification
Client portfolios are diversified across multiple asset classes. In addition, each portfolio has a “tactical overlay” where we strategically overweight sectors of the market we believe will benefit from current market conditions.
Portfolio Expenses
Paying close attention to underlying portfolio expenses ensures more money stays in client accounts.