Emery and Howard - Our Service

Emery & Howard believes strongly in the value of a long-term, equity-based investment strategy. The history of the American equities market since 1925 has proven that it is a reliable producer of capital growth over time. We employ strong equity-focused allocations that build around blue-chip common stocks. As growth managers, we seek steady growth within a risk aware context. Over the years, Emery & Howard has consistently proven the viability of its approach to investing. Because no two individuals are the same, we build out diversified portfolios targeted to your objectives and volatility tolerance. Emery & Howard utilizes superior investment managers, institutional class investments and exchange-traded funds as its primary investment vehicles. Our approach affords clients consistent performance via diversified, cost-efficient investments that have proven their long-term value.

Selecting a financial advisor is one of the most important decisions you will make regarding your financial future. Emery & Howard understands that managing your diverse assets can be complicated and the realization of your future goals is connected to the decisions you make today. Our job is to simplify the process and cut through the layers to develop a financial plan in accordance with your complete financial picture. We endeavor to build long-term relationships with clients built on trust and genuine understanding of your unique circumstances. Emery & Howard also has strong relationships with independent CPAs, attorneys, and other professionals, and utilizes their expertise to coordinate a comprehensive and customized plan as individual as you are.

Initial consultation - During initial interviews, an Emery & Howard principal determines financial objectives, constraints, time horizon, risk tolerance, tax considerations and unique circumstances. This critical first step ensures the design of a strategic investment plan that meets your goals and objectives.

Investment Policy Statement - A blueprint or action plan is then developed which describes your financial goals and objectives and a strategy for reaching them, as well as the criteria against which progress can be measured.

Asset Allocation - Perhaps the single most important factor in determining your portfolio return and volatility, we diversify your investments among various asset classes and investment styles commensurate with your Investment Policy Statement.

Investment Selection - We employ superior investment managers and institutional class investments to implement your investment plan. Utilizing some of the industry's most sophisticated research tools and in-depth fundamental analysis, we seek managers with a demonstrated record of out performance, who have a competitive advantage we expect to persist over time, and who have a clearly articulated investment philosophy and sell discipline. We favor managers that are decision-makers, demonstrate independent thinking, and have a vested interest that helps align the manager's interest with that of our investors.

Performance Review and Monitoring -Portfolio management is a dynamic process driven by your changing needs and goals, as well as market fluctuations. Emery & Howard monitors your portfolio, evaluating returns, reassessing your requirements and refining asset allocation. We utilize advanced accounting and reporting software to provide you comprehensive quarterly reports detailing asset distribution, investment performance, and account activity. An Emery & Howard principal is always available for portfolio review and consultation.

Our fee-based structure affords you unbiased and impartial professional service at minimum cost. As independent professionals, we have no financial products to sell and no commissions to receive, thus our goals are aligned with your goals. We charge a maximum fee of 1%-based upon the value of assets under management. This all-inclusive fee covers personalized strategic planning, portfolio management, account monitoring, income distributions and quarterly reviews and reporting. In many cases, advisory fees are tax-deductible, while commissions and sales charges are not.

Emery & Howard is the ideal advisor for the high net-worth investor with over $1.0 million in investable assets.