At the heart of DTRT Advisors is our Wealth Management Platform. As you read through our website you are now starting to understand our DTRT independence and open architecture structure. We are compensated by our client paying a small percentage fee on assets paid quarterly Being a fee only wealth manager our advisors do not receive commissions on investments . We have no sales quotas or compensation grids, meaning the more product you sell the more your make. Our compensation is tied our client success. Not the corporate bottom line. There are no conflicts of interest here. Every client starts with an open canvas to create portfolio solution using an almost infinite palate of investment choices. Also, our firm subscribes to several leading economic analysts to help us form a global macro economic outlook. We feel as a firm getting the big picture of the global financial markets correct is more important than picking the right stock. We implement our wealth management platform using the industry leading Morningstar Office™ software to run our entire practice.

Our wealth management services include:

• Personal Assessment of Risk Tolerance and Time horizon
• Review of exiting portfolio
• Investment Selection
• Monitoring, Management and Execution
• Portfolio Rebalancing as needed
• Investment Policy Statement and Reviews
• As needed client consults.  An annual portfolio review at a minimum.
• Monitoring of outside money managers, (SMA) Separately Managed accounts.
• Quarterly Statements from Scottrade or TradePMR our Wealth Management custodians.
• Quarterly Billing, Account Summary Performance Report from DTRT Advisors
• Personal Client Portal

Philosophy

Our Wealth Management Philosophy is guided by the following practices:

• All of our strategies account for uncertainty.  The future is impossible to predict with any degree of precision.
• Past performance does not guarantee future results.  However, lessons learned on how investor behavior influenced investment decisions can be applied to present and future decisions.
• Managing risk exposure and understanding a client’s risk tolerance for loss is the most important consideration in portfolio construction.
• Market timing has been proven to be difficult to employ successfully over time.  We try to look beyond short-term trend and focus on the long term proven investment strategies
• A client’s long term success must include realistic market return expectations and the discipline to stay the course during volatile market conditions.  Most investors buy high and sell low.  We seek to educate our clients on the behaviors of investing which lead to better investment decisions.
• Passive / Index investments have desirable attributes, principally low costs and relative tax efficiency, but have limitations.
• Active investment managers (AIMs), as a group, reduce net returns due to fees and expenses. Selecting and monitoring superior AIMs is difficult but potentially worth the time and cost.
• While research and analysis are helpful in selecting investments or AIMs, strategic factors such as Investment Policy, Asset Allocation, and Portfolio Re-balancing have a much greater effect on long term results.
• Luck often overshadows skill, especially in the short run.

A key step in the DTRT Advisors portfolio design process is working with the client to determine an appropriate risk profile. The primary factors considered are:

• Risk Capacity – How much risk can you afford to take?
• Risk Tolerance – What is your attitude towards volatility and potential losses?
• Risk Perception – What is your tendency to over-or-under estimate risk?
• Time Horizon - What is your investment time horizon?
• Investment Experience - Have you invested in different market conditions?

By engaging in these risk profile steps, we can now incorporate the financial planning process (capacity and needs) with investment management (risk vs. return), comfort level.