Here at Towneley we understand that choosing an investment counselor is a major decision. Your selection may affect your retirement lifestyle, the quality of your children's education or the strength and longevity of the organization whose finances are your responsibility. You seek an experienced advisor who is dedicated to helping you achieve your financial goals. You require personal service from an advisor who understands your specific needs. You don't want to pay too much for quality service. Over the past 37 years, hundreds of individual and institutional investors facing that same crucial decision have placed their trust in Towneley. Here's why:

Decades of experience in global diversification

In today's global economy, a diversified portfolio that includes some non-U.S. securities is essential to generating superior risk-adjusted returns over the long term. To provide international exposure, we use mutual funds and exchange traded funds as we have found that funds offer more diversified country-specific and broad market index exposure at a lower cost than individual foreign stocks and bonds.

Consistent management from an experienced team

Our portfolio managers average 18 years tenure with Towneley and are veterans of many market cycles. Because they consult regularly with Towneley's executives, every member of our professional team is immersed in our investment philosophy and works together to ensure that investment decisions are consistent with our strategies. One member of this team will serve as your portfolio manager, providing you with personal service specific to your circumstances and backed by our entire professional staff.

Portfolios designed to meet your needs

Proper asset allocation is essential to a successful investment plan. Rather than trying to fit each client into one of a handful of portfolio options, your Towneley portfolio manager will create your portfolio to best meet your needs, goals and risk tolerance, using funds that have low correlation to one another in order to generate higher total portfolio returns with less risk over the long term.

Independent and objective fund selection

As an independent fee-only advisor, we objectively screen over 25,000 mutual funds and several hundred exchange traded funds for the best investment choices. We evaluate each fund for its contribution to your portfolio in terms of style, market size, industry weightings, expense ratio, performance in up and down markets and geographic emphasis. Our discussion of our investment solutions offers more details about key fund criteria for both institutional investors and private clients.

Efficient portfolio rebalancing

Periodic rebalancing is fundamental to our investment strategy; we rebalance your portfolio every twelve to eighteen months - or more often if changes in market conditions or in your goals and objectives warrant it. Our proprietary software permits us to rebalance quickly, reducing your time out of the market. Because we are a fee-only firm, you can rest assured that serving your investment goals is our impetus when we rebalance your portfolio.

Low cost

Institutional and private clients alike benefit from our sensible fees. Towneley pays all custodial and mutual fund trading fees. We don't charge start-up fees or maintenance fees. We do not collect 12b-1 fees or sales loads from any of the funds we use. We explain our fees clearly before you commit to our services. Our scrutiny of expense ratios and our use of institutional class mutual funds also benefit your portfolio's performance.

In short, at Towneley:
 

• We design your portfolio to benefit from worldwide opportunities.
• Your portfolio is managed by an experienced professional offering an in-depth comprehension both of your needs and goals and of the strategies we use to help you achieve your investment targets, operating in consultation with our team.
• We understand that every family and every organization has unique needs and goals; your Towneley portfolio is tailored to suit you and your special circumstances.
• Your portfolio is composed of securities that we hand-select for both low cost and performance potential.
• We regularly review your portfolio and rebalance or reallocate as needed to maintain our investment strategy and to meet your unique requirements.
• You'll enjoy our personal service for a reasonable fee.

Whether you are an experienced investor looking for a new advisor, a fiduciary for an institution or a retiree seeking to preserve your wealth, Towneley stands ready to help you realize your goals. We invite you to benefit from our decades of experience, professional team, personal service and fair prices.

The Certified Financial Planner Board of Standards defines a fee-only financial advisor as "an advisor who is compensated solely by the client, with neither the advisor nor any related party receiving compensation that is contingent on the purchase or sale of financial products."