Registered Investment Advisor (RIA), Fiduciary Investment Management 

Successful investing demands thorough knowledge of the economy, markets and portfolio theory.  Your investment approach should be long-term and consider your financial means and goals.   Fred's goal is help you earn consistent, positive returns with less volatility than the popular market indexes.   We use sophisticated portfolio software, and a rigorous screening process to help you put together a  portfolio of no-load mutual funds, ETFs (exchange traded funds) and in some cases, individual stocks and bonds, tailored to your goals and objectives.  We try to determine how your portfolio will perform in the worst case situation before recommending anything.  You will receive the benefit of his continuing study of changing economic conditions, securities markets and other investments issues.  

Fred will meet with you for periodic quarterly reviews to make sure you receive personalized and appropriate guidance.      

Conservative, well balanced capital preservation strategies.  "Most advisor's mandate is to track indexes.  So if the index that (s)he follows is down 40% and your accounts are down "only" 35% (s)he believes that you win.  The problem with this mindset is that you are heavily penalized for large losses, especially in retirement accounts because there is no allowable capital loss deduction.  A 35% loss requires a 54% gain just to break even!  My goal is not to make you wealthy, but to help you stay affluent by preserving your capital and avoid devastating loses."--Fred Bridge, CFP, EA

There is no charge for the initial, or continuing investments.  Bridge Investment Advisory Service, LLC does not accept commissions or fees from third parties-- we are fiduciaries and act solely as your independent investment advisor. You will need to set up an account at a discount brokerage firm to serve as custodian of your investments. Where possible, we recommend TD Ameritrade Institutional, Inc.  You pay all investment checks to your custodian who will in turn send you periodic statements.  Fred can assist you with setting up and custodian-to-custodian transfer of your accounts.  He can also advise you on your employer sponsored 401k or 403b plans.

My Fee:  The fee for investment management is 0.25% per quarter based on the first $500,000 of assets managed and 0.20% per quarter on the amount above $500,000.    There's no long-term contract, investment management can be cancelled at anytime.  All other services are billed hourly.  Financial planning, tax preparation and management fees may be tax deductible.  Fees and expenses are classified as “miscellaneous itemized deductions” on Schedule A. Please ask for Fred's disclosure brochure (Form ADV Part II).

Are you ready to talk about working together?   Please call me at 303-674-6622 .  I would be happy to answer any questions you have, provide you a sample hypothetical illustration of a typical investment portfolio, or I can schedule a 30 minute, no obligation meeting to discuss whether working together may be right for you. 

Financial and Retirement Planning Service

Ongoing financial planning can give you a clear picture of where you're at and the peace-of-mind of an organized wealth-building and consumption strategy.  

Recent advancement in planning called "reality retirement planning", using findings form Bureau of Labor Statistics (BLS) Consumer Survey data, show that retirees spend less as they age, especially as you reach age 75.  People may be actually delaying retirement and restricting their spending in the first 10 years of retirement unnecessarily.  I now include the reality retirement planning option in my retirement planning estimates.  There is link to an article that discusses this on my "Research" page.

Personal financial/retirement planning will provide the following:

• A review of your current situation

• Projection of inflation-adjusted income needed during retirement

• Projection of income and expenses, now through your life expectancy

• Estimation of cost-of-living adjusted Social Security and pension benefits

• Measure, illustrate and compare probabilities of success

Here are some of the questions that many people have that can addressed with financial planning:

• Am I saving enough to retire?  How can I retire early?

• What are the best retirement-savings vehicles for me?

• At my age, do I still need insurance?

• Can I lower my income taxes?

• Are my investments structured according to my goals, risk profile, time horizon, and tax situation?

• How can I reduce my investment risk, yet provide the stable income I need?

• How can I develop a spending or investment draw down plan to help me achieve my goals?

• Will I need to go back to work to support my current spending? If not, how can I cut my expenses?

• How can I best recover the loses in my retirement savings plans?

• What are my retirement plan distribution options?

• How can I stretch my IRA account over multiple generations?

• How do I efficiently pass my estate to my family?

Tax Planning and Audit Defense

• Representation before all administrative levels of the Internal Revenue Service for audits, collections, and appeals.  (Only Enrolled Agents (EA), attorneys, and CPAs may represent taxpayers before the IRS, and only EAs specialize in tax practice).

• Tax planning throughout the year

• Roth conversion cost/benefit analysis

• Co-ordinate with your existing CPA or tax preparer

• Qualified retirement plan and IRA distribution advice

Estate Planning

• Calculation of present and future estate tax liability

• A survey of your current and recommended documents (Only attorneys can prepare wills and trusts)

• Review Estate planning Strategies

• Review and analyze insurance policies (we do not sell insurance)

• Co-ordinate with your existing estate planning attorney

• Prepare form 706

Are you ready to talk about working together?   Please call me at 303-674-6622.   I would be happy to answer any questions you have, or I can schedule a 30 minute, no obligation meeting to discuss whether working together may be right for you. 

*Note:  Unlike the vast majority of financial planners and advisors, we sell no products and collect no commissions or hidden fees.  We've structured compensation to be in harmony with the clients' best interests. Only a very small percentage (estimated at 1,000 nationwide) of those calling themselves financial planners,  or financial consultants are Fee-Only-- not receiving commissions from the sale of insurance and investment products.-- "The Battle for Your Money", Forbes Magazine 04.11.03

CFP^TM, CERTIFIED FINANCIAL PLANNER^TM and are marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.

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