How We Work

To initiate our services, your advisor will walk you through our investment questionnaire and contract. Your answers will help us understand your personal investment philosophy and intentions. From this, we can match one of our six custom portfolios to your needs.

Portfolio Monitoring

We watch the investments in our portfolios on a daily bases, rebalance the current holdings back to our recommended weightings on a regular bases, and may from time to time remove or add a security at any time.

Reporting

To provide you with a complete picture of your investments, we offer customized reports on a monthly basis. And through Charles Schwab, our trusted third-party custodian, you'll have the convenience of 24/7 online access to your portfolio.

Fees

Our initial consultation for financial planning clients is always free and without obligation. If you decide to utilize Merit’s services, we will charge you a percentage of assets under management.

                      We believe this fee structure

is the most fair to our clients, as our incentive to perform well is directly aligned with your investment objectives. As a fee-only registered investment advisor there is never a conflict of interest with our clients.

Our annual asset-based fee is charged monthly. The majority of our clients choose to have our management fee taken directly from their accounts.

Unlike investments that charge sales loads and upfront charges, we invest our clients’ assets in no-load and index mutual funds. We never purchase funds that are sold with a sales charge or commission.