Fee-Based Asset Management

We take a cost-conscious approach to investing our clients’ assets. We use a proprietary portfolio construction process on a platform that lets us trade all US equities without commissions or transaction fees.

No one in our industry can guarantee rates of return, but we can guarantee complete transparency about your all-in cost of investing with our firm. Lowering unneeded portfolio expenses is often the first step toward keeping more of what your investments earn. Below is how we build and manage portfolios, what they cost compared with a typical managed account, and the nine core models we use.

As an advisory firm that has a vested interest in the value of our clients’ accounts, our primary focus is to lower our portfolio costs. The number of individuals and families we meet with that have no idea what their investments are costing seems to be limitless. That is our starting point. Although we appreciate the trust our clients have in us to manage their assets and plan their future, we don’t just want you to hand over the keys and check in when it’s convenient. We look to help you understand the process, mechanics and costs when working with us – because it’s your money. What are your all in costs of investing?

We have 9 models that we’ve designed as our core investment in each client account. This is our way of getting the appropriate level of broad exposure and diversification in key sectors and markets around the globe. While a lot of firms might stop there, we look to build onto that strategic core with a tactical approach that encompasses a precise weighting of select positions – usually individual stocks — aimed at optimizing your resources and goals. Remember: our average core expense ratio is below a tenth of a percent at most, and because we don’t have to worry about the snowball effect of transaction fees and trading commissions, we are free to manage your money with fewer constraints.

What does fee-based asset management mean at Toomey Investment Management?

Our asset management clients pay an advisory fee for ongoing portfolio management and planning. We trade all US equities without commissions or transaction fees, so the cost of investing does not grow every time your portfolio is adjusted. Before you invest, we show you a full breakdown of your all-in cost, including our fee.

How do you choose a portfolio for me?

We use nine core models, from Ultra-Conservative to Ultra-Aggressive Core. We match one to your time horizon, your tolerance for risk and the type of account, then build around that core with a precise weighting of select positions, usually individual stocks, aimed at your goals.

Do taxable and retirement accounts get the same investments?

Not always. We match the asset mix to how each account is taxed. Our Tax Favored Income and Growth model, for example, holds in-state municipal bonds and is designed for taxable brokerage accounts of high net worth clients.

Where is uninvested cash held?

Available cash in your account is held in money market funds rather than a low-yield sweep account.

How do I find out what my current investments cost?

Bring us your latest statements. We will add up fund expenses, trading costs, service fees and advisory fees so you can see your true all-in cost, then compare it with how we would manage the same money. Contact us to set up a review.