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Managing investment portfolios represents the majority of our time and effort. Our five main styles are explained below, along with how you would benefit from each.

  • If you want to know exactly what stocks you own, this style should appeal to you.
  • We can more accurately manage your tax situation (gains & losses) with this style.
  • Usually invested 100% in stocks, but bonds and other fixed income can be added at discretion of P&A.
  • Largely individual stocks, with exchange-traded funds (ETFs) and mutual funds mixed in.
  • Our fee schedule begins at 1% of assets per year, with the first breakpoint at $1 million.
  • The average all-in cost to you (including trading commissions) is generally in the 1.04% to 1.08% range annually.
  • This style should appeal to you if you want a predictable income stream and lower volatility.
  • You’re in a high tax bracket and want the tax-free interest from municipal bonds.
  • If you prefer knowing when your bonds will mature, this style should appeal to you.
  • This style is invested 100% in bonds, bond funds, and other fixed income securities.
  • Same fee schedule as Custom Equity.
  • Our most popular management style, this is a combination of Custom Equity & Fixed Income.
  • A good option if you don’t want all your investable assets exposed to the stock market.
  • Asset allocations are tailored to your risk tolerance, financial goals, and time horizon.
  • Primarily individual stocks and bonds, with some mutual funds and ETFs mixed in.
  • Same fee schedule as Custom Equity and Fixed Income.
  • If you plan to consistently add to or withdraw from your account, this style may be of interest.
  • Low cost index funds constitute anywhere from 60% to 100% of these accounts.
  • No-load and no transaction fee mutual funds are used to achieve proper diversification.
  • Mutual Fund Accounts are rebalanced at least twice per year.
  • Our fee schedule for these accounts starts at 0.75% annually.
  • The all-in cost to you (including underlying mutual fund expenses) is generally between 1% and 1.25%.
  • Exchange-traded funds (ETFs) are baskets of stocks or bonds like mutual funds, but they trade during the day like individual stocks and bonds do.
  • Our ETF accounts will be rebalanced (or reviewed for rebalancing) two times per year.
  • Our fee schedule for these accounts starts at 0.75% annually.
  • The ETFs we use track an index and have very low expense ratios. The all-in cost to you (including ETF expenses and trading commissions) is generally around 1%.
  • These accounts work well for investors who are comfortable with mutual fund-like products and who want to minimize their expenses.

You won’t read this on many other financial adviser websites, but given our fee-only business model it’s in our interest to keep your investment management fees as low as possible. Clearly, this aligns your interests and ours.

If you have any questions or would like more information about how P&A would manage your investments, please call us at 402-328-8800 and ask for Pitt, Dan, Jon, Diane, Trey, or Blake.

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