Investment Philosophy

Are the investments in my accounts safe?
Nguyen Financial LLC does not take custody of your funds. They are held at custodian/brokerage firms who are insured by the SIPC and private insurance. All account assets are held in your name or entities you have created, such as trusts and retirement plans. Neither Nguyen Financial LLC nor the custodian/brokerage firm, nor anyone else, can access or distribute funds from the accounts without your permission and knowledge. Of course, your investments fluctuate in value over time.

What brokerage firms do you use?
Most of our client assets are kept at Scottrade, a discount brokerage with offices throughout the U.S. We do not have custody of your assets; the brokerage firm holds them. Your accounts are insured by the SIPC and additional private insurance.

Does Nguyen Financial LLC request trading discretion?
Yes, all trades will be discussed with you in advance before they are placed, unless you wish otherwise.

What kind of investment strategies do you employ?
We specialize in passive and index investing and primarily use no-load or low-load funds and exchange-traded funds.

Do you do market timing?
No, we employ asset allocation investment strategy in fully diversified equity and fixed income portfolios and do not move in and out of markets as conditions change.

Do you offer estate planning, tax planning, or real estate advice in addition to financial planning and portfolio management?
These issues are incorporated into financial planning and investment strategies. However, we strongly recommend that they be handled in conjunction with appropriate professionals: estate-planning attorneys, accountants, and real estate agents.

What are your fees?
Our fees are calculated based on total assets under management, ranging from 0.25% to 1.25%. All billing is quarterly in advance.

Are there any other fees that I will have to pay?
Yes, other fees that you have to pay include mutual fund expenses, transaction and custodial costs. Depending mainly on the size of your portfolio, your total annual fees (including our fees, mutual fund expenses, and transaction fees) will probably range between 1.25% and 1.75% of your invested assets. Our fee schedule compares favorably with other full-service brokerage firms, which may charge over 3.00%.

Do you charge by the hour? How much is your hourly rate?
Technically, yes. Our rate is $250/hour. Because hourly work is more expensive, most of our clients prefer long-term relationships. With a fee-based arrangement, our clients are encouraged to call for financial advice at any time, because there is no additional charge.

Do you receive commissions or monies from brokerage firms or fund companies?
No, Nguyen Financial LLC is a fee-only advisor. We are solely compensated by our clients. This arrangement assures complete objectivity in planning and financial advice.

Is there any account minimum?
Perhaps the best part of working with Nguyen Financial LLC is that you don't have to be a millionaire to qualify. Our asset management accounts can be opened with as little as $25,000.

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