---
title: Individualized Investment Portfolio|Investment Management|Fiduciary Investment Advisor
description: Our individually designed, implemented, and managed portfolios are targeted to meet your financial objectives. We work as fiduciary investment advisors.
---

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# HOW WE ADD VALUE AS YOUR ADVISOR

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Financial advisors don't merely pick stocks - they carefully analyze your personal curcumstances and access the market environment as they develop your investment plan.

 

# Learn How...

Download this 14-page Vanguard ebook and [**Learn How Your Financial Advisor Adds Value.**](https://www.spiritusfinancial.com/hs-fs/file-283600646-pdf/docs/Vanguard_Investor_Education.pdf)

[![Vanguard_Learn_how_your_financial_advisor_adds_value-1.png](https://www.spiritusfinancial.com/hs-fs/hubfs/Vanguard_Learn_how_your_financial_advisor_adds_value-1.png?width=320&name=Vanguard_Learn_how_your_financial_advisor_adds_value-1.png)](https://www.spiritusfinancial.com/hs-fs/file-283600646-pdf/docs/Vanguard_Investor_Education.pdf?t=1481844773552)

 

 

# **How We Add Value as Your Advisor**

 

![spiritus-financial-bridge-couple.png](https://www.spiritusfinancial.com/hs-fs/hubfs/Spiritusfinancial-2016/Image/spiritus-financial-bridge-couple.png?width=350&name=spiritus-financial-bridge-couple.png "spiritus-financial-bridge-couple.png")

- The average operating expense for actively managed mutual funds is about 1.53% per year. Over time, this lowers your overall return. We use low-cost, institutional class funds - less than 0.50% for most diversified strategies.

- The typical active manager or advisor effects portfolio turnover of 80% or more per year. That costs the average investor nearly 1.0% in annual returns due to brokerage and other transaction costs. Our strategies emphasize turnover costs of less than 0.25% per year.

- Taxable accounts give up about 50% of their annual returns to taxes due to portfolio turnover and inefficient portfolio management. We utilize funds and strategies that emphasize a high degree of tax efficiency.

- Our individually designed, implemented, and managed portfolios are **targeted to meet your financial objectives**.****

- We provide quarterly performance reporting focusing on the suitability of and progress towards your financial objectives.

- Our disciplined, long-term approach means you’ll sleep better and get on with your life by ignoring all of the Wall Street hype. Most investment advice seeks to have you transact business - and make money for others.

- We stay on top of global economic data, financial and economic trends as well as current issues in income and estate tax planning, **retirement planning** and **investment management** - *we’re not ****salesmen masquerading as advisors.***

 

***"Going simple and low cost are the keys to long-term gain."***

Index fund creator & Vanguard founder, John Bogle

**Your Charles Schwab Account**

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[**Click here to enter the Charles Schwab website**](http://spiritusfinancial.com/schwab-disclosure/?&t=74040) where you can log in to your account.

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