We are paid by you, our client, and do not earn commissions from any of the investments or products we recommend. Because our allegiance is to you, we provide unbiased advice built to meet your needs. We take great pride in this independence because it allows us to be completely objective as we work to preserve and grow your wealth. This fee is a small percentage of the assets we manage on your behalf.

The Holben Group is a fiduciary - which means we act in the best interests of our clients, disclose any possible conflicts of interest and act in an ethical manner in all our business dealings. We pride ourselves on developing a level of trust with our clients that allows you to have confidence in our analysis and actions.

The Holben Group does not maintain custody of the investments we manage on your behalf. Your assets are maintained in an account with a qualified, third-party custodian. We recommend that our clients use Charles Schwab & Co., Inc. (“Schwab”), but we can also manage client accounts at Fidelity and TIAA. All three of these independent custodians are registered broker-dealers and members SIPC. Schwab, Fidelity and TIAA each hold your assets in a brokerage account and only buy and/or sell securities when we, or you, instruct them to.

We’re committed to providing our clients the best advice – even if it’s hard to hear (and deliver) and goes against popular opinion. We’ll help guide you through the emotional ups and downs inevitable with a changing economy and market.

We do not fit you into a limited number of pre-set, “model” portfolios based on a quick risk questionnaire. We custom tailor a plan and build a diversified portfolio with exposure to multiple asset classes that are the most appropriate for your unique situation.

You will always know what you are paying and why specific investments were chosen and why changes were made to your portfolio.