Our Investment Philosophy
There are countless suggestions about how and where to invest your money. At Grunden Financial Advisory, we use an approach that is both intuitively sensible and utilizes modern portfolio theory to take advantage of efficient markets.
The Structured Asset Approach implements a diversified asset allocation through low cost mutual funds.* These portfolios anchor our clients' investment programs and are different from the typical "buy and hold" strategy. The Structured Asset Approach is not purely passive, nor is it actively managed-it is rooted in Nobel Prize winning research and implemented by our alliance with an institutional-only mutual fund company that shares this same philosophy. We have the brightest minds and most recognized names in finance working for our clients through our relationships. Instead of passing normal portfolio trading costs along to clients, we pay this cost as a business operation expense, an uncommon practice in our industry.**
*Average mutual fund expense ratio is 1.30%. The average expense ratio for our Structured portfolios is 0.30%, a 1% advantage (source: Morningstar Principia 6/30/2009).
**Please contact us for portfolio information, disclosures, and distribution policy detailing trading expenses.
The Secure Future Lifetime Income ProgramSM considers the assets necessary to secure a lifetime income through available investment vehicles - laddered muni-bonds and Treasuries, tax-deferred accounts, and high quality bonds. The program is designed to provide income in addition to defined benefit plans and Social Security to support a client's lifestyle so they have peace of mind and freedom to enjoy retirement.
