Big data shows that professional money managers outperform the average investor by a big margin over the long term on an after-cost basis. The average investor does not have the expertise, experience, discipline, and time, to do a good job managing their own finances. Seeking professional help may be a smart way to build wealth over the long term. Investing is like any other field: the professionals can do much better than the average person.

• "According to a groundbreaking study by Vanguard, using a professional adviser can possibly add about net 3% annually to the value of your assets, after fees are taken into account." -- from Kiplinger
• “Peter Lynch, who formerly managed the high-flying Fidelity Magellan Fund from 1977 to 1990, is a legendary investor. Under his management, the fund averaged an astounding annual return of 29%.” “According to Fidelity Investments, the average Magellan Fund investor lost money during Lynch’s tenure there.” -- from Forbes
• The average investor has lost a lot of wealth in the long term, due to managing money themselves. Based on "Guide to the Markets", J.P. Morgan Asset Management, June 30, 2022, the average investor returned 3.6% annually in the 20-year period from 2002 to 2021, while the S&P 500 index returned 9.5% and the 60/40 portfolio returned 7.4% respectively:

  

We partner with America's best professional money managers, such as BlackRock, State Street, JPMorgan, Capital Group (American Funds), AssetMark, Howard, Athena, and DoubleLine , to manage the money in your taxable accounts, IRA accounts, and employer-sponsored retirement accounts (401k, 403b, 457). Through standardized money management platforms, they compete to provide better service with lower cost. One account may be managed by multiple professional money managers (portions of the account may be managed by tactical aggressive money managers while other portions may be managed by strategical managers). American Funds and DFA Funds are used in some strategies without load, while ETFs or individual stocks are used in some other strategies. The same high quality professional money managers can help you accumulate more wealth, but at a lower cost and with more flexibility, if you invest through our platforms. Based on your situation, we select a small group of the best and most suitable professional money managers and strategies to manage your account.

Your account will be held in one of the well-known brokerage or trust companies such as Schwab, Fidelity, or AssetMark Trust. Professional money managers that we select for you can access your account and trade directly. You have 24 X 7 view access to your account. Initial and subsequent investments may be transferred via ACH from your bank account to the investment account, and withdrawals can be deposited back into your bank account. Your investment account may be closed anytime upon request without penalty. For employer-sponsored retirement accounts, your money will stay there without the need to move to a different place.

Different professional money managers typically charge different fees. Below are two sample accounts showing the total management fees (money manager fee plus platform fee):

• Account 1: 70% of the account is managed by JP Morgan (Global Standard Strategy) and 30% managed by DoubleLine (Shiller CAPE Enhanced Return Strategy). Account custodian is Schwab or AssetMark Trust.
  
  

  Account Balance	Total Management Fees
  Up to $250K	0.88%
  $250K -- $500K	0.69%
  $500K -- $1M	0.59%
  $1M -- $2M	0.53%
  $2M -- $3M	0.46%
  $3M -- $5M	0.37%
  Over $5M	0.30%

• Account 2: 50% of the account is managed by Howard HCM (ALP Balanced Strategy), 40% managed by Capital Group (American Funds Global Growth Strategy, no load), and 10% managed by Athena (Global Tactical ETFs Strategy). Account custodian is Schwab.
  
  

  Account Balance	Total Management Fees
  Up to $100K	0.903%
  $100K -- $250K	0.853%
  $250K -- $500K	0.753%
  $500K -- $1M	0.553%
  $1M -- $3M	0.478%
  Over $3M	0.403%

• Account 3: Flat 0.6% management fee. Your 401k/403b account only. Managed by Future Capital and Wilshire. Your 401k/403b money stays where it is now. See details.

There is no simple get-rich-quick way in investing. Compounding requires time. Take action now and results may show up years later. Delaying taking action will delay results. In the world of investing, a good strategy and time are your best friends.