Investment Advice

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FERRI INVESTMENT SOLUTIONS offers as-needed, hourly, customized investment advice.

My area of expertise is in low-fee portfolio management. I help people reduce complexity and cost while increasing diversification and tax-efficiency. My preference is to use market-tracking index funds and exchange-traded funds (ETFs) because they accomplish these goals. However, I always consider what’s in a portfolio and the cost and tax impact of making changes.

This service is ideally suited for people who desire occasional professional help without the cost of portfolio management fees or commissions. This fiduciary service is designed for individual investors, trustees of family wealth, employers who oversee retirement plans, and committees that are responsible for managing the investments of non-profit organizations. My services are available in all 50 states and globally.

My goal is to help you simplify your portfolio and reduce expenses, including taxes. Services include a complete portfolio review, phone discussion, and written recommendations. Suggestions may consist of a shift in asset allocation, better fund selection, more efficient tax management, income generation techniques in retirement, and related topics.

Most of my clients are do-it-yourself (DIY) investors who implement and maintain their portfolios. However, I can assist with the search and selection of a low-fee or fixed fee portfolio manager who would implement and maintain the investment strategies we discuss.

My fee is $450 per hour prorated, so you only pay for the time used. This fee covers almost any investment-related topic, including document reviews, phone consultations, research, and written investment strategies.

I also offer a special program for first-time clients called a Portfolio 2nd Opinion™. This all-inclusive $750 program takes about two hours in total and includes a pre-call document review, 60-minute phone consultation, and a written summary with my observations and recommendations. People find the Portfolio 2nd Opinion™ to be a good value because their questions are answered and documented under one fee.

It does not matter where your money is invested or how much you have invested, I serve along side you as a fiduciary by upholding a duty of loyalty, fairness and good faith in all decision making.

Request more information on my hourly advice service.

The investment philosophy I follow is passive. This means designing a low-cost portfolio of mainly market-tracking investments. I favor broadly diversified index funds and exchange-traded funds (ETFs) that have this objective. Existing securities (stocks, bonds, funds, etc.) are always considered in the context of a larger investment plan. Tax costs are a major consideration when restructuring a portfolio, and I am particularly tax-sensitive.

After a consultation, you are free to implement the recommendations yourself. If you prefer to have an investment professional implement and manage your portfolio, I will assist you in selecting a low-cost advisory firm that will provide management at your custodian of choice.

Contact me to schedule a complimentary 15-minute call to determine if my service is right for you.

Note: I am an investment specialist. I do not review insurance policies or estate planning documents, and I do not prepare tax returns. See Form ADV Part 2 for more information on my investment adviser services.