Fee-Only Fiduciary
Clients should feel confident that their investment advisors share their best interests. As a fee-only fiduciary, Envision Financial LLC offers truly unbiased investment advice, free of product-related conflicts. Envision doesn’t sell annuities, insurance, or other investment products. We embrace our fiduciary duty to place clients’ interests above all others.
Envision clients utilize Charles Schwab & Co., Inc. for custody and trading. However, Envision is not affiliated with Schwab. We receive no compensation from Schwab, nor do we receive commissions or other compensation from investment products that we recommend. The only compensation that we receive is fees from our clients for services rendered. As such, Envision has no incentive to recommend expensive products.
Low-Cost Approach to Investing
No advisor can guarantee investment performance, and past performance is not a predictor of future performance, although Envision recognizes that expenses are the one thing that investors can control. Generally, investors incur two levels of fees, one for advisory services and one for investment products.
- As an independent, boutique advisory firm leveraging the scale and resources of Schwab as custodian, Envision has low overhead. This enables us to provide superior levels of service while charging lower advisory fees than competitors.
- As a fee-only fiduciary, Envision pursues a cost-conscious approach to investing. This results in lower investment product costs and enhances our clients’ prospects for net investment returns.
Expenses are a drag on investment returns, so any investor seeking the services of an advisor should make sure to understand your “all-in” fees (e.g. advisory fees, product expenses, transaction costs) and avoid high-priced advisors and products.
