Working With a Fee-Only Fiduciary
Patina Wealth proudly serves as a fiduciary for our clients. It is important to us that we align ourselves with our clients in every way possible. Below are examples of how our clients benefit:
Portfolio Holdings
We believe in investing alongside our clients. We invest our own money in the same holdings as our clients.
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.
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 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 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.
Portfolio Expenses
Paying close attention to underlying portfolio expenses ensures more money stays in client accounts.