Peeling Back Layers offers “fee-only” investment advice.  We are different from “fee-based” compensation.  It is critically important to understand that those two terms do not mean the same thing.

FEE-ONLY

Advisors that are fee only, like us, do not accept compensation from any source other than their clients. Furthermore, we voluntarily opted to be held to a fiduciary standard. In other words, we are legally obligated to act in the best interest of our clients. Which we are more than pleased to do!

FEE-BASED

This person will often accept fees from clients, in addition to compensation (or commissions) from recommending or selling investment products, such as insurance, annuities and/or mutual funds with hidden fees. Fee-Based advisors often do not act in your best interest.

INVESTMENT PHILOSOPHY

Peeling Back Layers uses an index approach when it comes to providing advice towards investing. We will select no-load low-cost index mutual funds that cover the whole world in both stocks and bonds. This is know as passive investing; meaning no one actively manages your portfolio.  We do not try to time the market. We do not select individual stocks or bonds in hope that they will perform well.  The passive indexing investment strategy is designed to capture market returns over the long term at a very low cost.  Research has shown that the compounding of cost can greatly affect an average investor’s wealth over the long term.

RISK
AGE
GOALS

We will help you decide on an appropriate asset allocation based upon your risk tolerance, age, financial situation, goals, and more.

INVEST TODAY FOR A BETTER TOMORROW.

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INVEST TODAY FOR A BETTER TOMORROW.

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INVESTMENT EDUCATION

We will educate you on how much your investments are currently costing you. We will explain how much you could save by going with a passive investment strategy with all index funds. If you currently have your investments managed you could be paying as much as 1% per year for that service, in addition to your investment costs which can easily add another 1-2% in fees per year.  At Peeling Back Layers, we will strive to get your total cost down to 0.10% or less for your investment cost. In addition, we don’t manage your money so you won’t pay that cost either!

The results of this calculator are hypothetical and do not repesent any particular investment product. It does not take into account the compounding factor of fees.