Services

Portfolio Investment Management

Singer Potito Associates, Inc. creates and manages client portfolios on an individual basis. Client accounts are established in the client's name at well known firms such as Fidelity Investments, Vanguard Group and TIAA-CREF. We generally invest client funds in true no-load mutual funds with low expense ratios, low cost exchange traded indexes and individual bonds or bond funds. Our objective is to create portfolio diversification at an international level with risk parameters designed to match client tolerances. Whenever possible, we match projected cash flow from the portfolio with the specific needs of the client. In addition, tax advantaged investment strategies are emphasized. We believe that the ideal portfolio is one that most efficiently meets cash flow needs with the minimum amount of risk, yet which provides real opportunities with regard to growth of principal over time.

We require a minimum of $500,000 in order to manage a portfolio (investable assets) and charge 1% of assets under management annually with breakpoints as the portfolios become larger. We never receive third party commissions or soft dollars from any custodian that holds our client accounts.

Personal Financial Planning

Singer Potito Associates, Inc. uses proprietary software to create our financial plans which are based on cash flow needs of the client. This allows us to tailor a plan to a client's individual future scenario. We gather extensive data from the client and thoroughly analyze living expenses, income, current portfolio, tax situation and estate planning needs. Our planning process addresses virtually every financial situation in the client's life, including insurance, college and retirement needs, as well as existing portfolio evaluation. We will help the client work with their attorney, accountant and insurance agent to accomplish their future goals.

The financial planning service runs in the range of $1,500 - $5,000, dependent on the complexity of the client's financial situation. Business owners and/or clients with investment real estate can expect to be charged at the higher end of the range. We offer new financial planning clients the opportunity to update their financial plan within one year of completion of the initial plan at no charge. We provide insight and technical expertise with regard to financial matters that most clients and many professionals find perplexing.

In accordance with NAPFA guidelines, Singer Potito Associates, Inc.
is a Registered Investment Advisor that abides by the following oath:

"The advisor shall exercise his/her best efforts to act in good faith, and in the best interests of the client. The advisor shall provide written disclosure to the client prior to the engagement of the advisor, and thereafter throughout the term of the engagement, of any conflicts of interest which will or reasonably may compromise the impartiality or independence of the advisor.

The advisor, or any party in which the advisor has a financial interest, does not receive any compensation or other remuneration that is contingent on any client's purchase or sale of a financial product. The advisor does not receive a referral fee or other compensation from another party based on the referral of a client or the client's business."

If you would like more information about NAPFA and the concept of
"fee only" financial planning, please visit the NAPFA website.