Our Philosophy
Gladwyn Financial Advisors is an independent Registered Investment Advisory (RIA) and financial planning firm that provides hourly and fee-based advice. We are not compensated by commissions or any other incentives (sales overrides, free trips, etc...) for investment advice. Our goal is to develop and implement strategies that help you reach your financial goals and, as a result, provide financial peace of mind.
Registered Investment Advisor
As a Registered Investment Advisory Firm (RIA), Gladwyn Financial Advisors has a commitment and fiduciary duty to put client's interest ahead of their own. While advice can never be completely free of conflict, every effort is made to do so.
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For investment advice, we are paid by our clients, not by commission, either as an asset-under-management fee for ongoing investment advice or an hourly rate for financial planning.
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With few exceptions, our firm recommends low-cost index-based exchange traded funds (ETFs) or index-based mutual funds. Academic studies show that the lower the fund cost, the better the performance.
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All investment advisory clients are provided with an Investment Policy Statement which describes how their portfolio will initially be allocated. We then provide ongoing portfolio management and implement quarterly rebalancing recommendations to ensure that your investment plan remains on target.
Statement of Investment Principles and Practices
Principles
1. Faith – that the United States and, in aggregate, world economies will continue to grow and outpace inflation as they always have — long-term.
2. Patience – in the approach and management of long-term investments. Proven investment strategies need time to work.
3. Discipline – to consistently adhere to and fully embrace the current investment plan, regardless of market conditions. Action taken will be based on a set plan as opposed to a reaction to market movement or current news.
Practices
1. Asset allocation – establishes a stock/commodity/bond & cash ratio that is appropriate for the investor’s risk tolerance—which then helps reduce the likelihood of panic selling at a market lows.
2. Diversification – spreads risk among numerous asset classes so that a single category or security's decline will not, in a significant way, adversely affect the overall performance of the portfolio.
3. Rebalancing – takes advantage of market volatility by reducing the holdings of investment categories that have outperformed others (selling high) and using those proceeds to purchase investment categories that have underperformed (buying low).