As a fee-only adviser, our only concern is client satisfaction. Our goal is to deliver the personalized service of a small firm with the capabilities of a much larger one, and our investment management services are centered solely on you, the client. Adviser Investments’ investment strategy is focused on building diversified portfolios of actively managed mutual funds, individual stocksA financial instrument giving the holder a proportion of the ownership and earnings of a company. and bondsA financial instrument representing an IOU from the borrower to the lender. Bond issuers promise to pay bond holders a given amount of interest for a pre-determined amount of time until the loan is repaid in full (otherwise known as the maturity date). Bonds can have a fixed or floating interest rate. Fixed-rate bonds pay out a pre-determined amount of interest each year, while floating-rate bonds can pay higher or lower interest each year depending on prevailing market interest rates., exchange-traded fundsA type of security which allows investors to indirectly invest in an underlying basket of financial instruments (these may include stocks, bonds, commodities or other types of instruments). Shares in an ETF are publicly traded on an exchange, and the price of an ETF’s shares will fluctuate throughout the trading day (traditional mutual funds trade only once a day). For example, one popular ETF tracks the companies in the S&P 500, so buying a share of the ETF gets an investor exposure to all 500 companies in the index. and quantitative strategies that match our clients’ riskThe probability that an investment will decline in value in the short term, along with the magnitude of that decline. Stocks are often considered riskier than bonds because they have a higher probability of losing money, and they tend to lose more than bonds when they do decline. comfort level and long-term investment goals. Coupled with financial planning, we provide a comprehensive suite of wealth management services.

FiduciaryA person or organization who manages assets for a third party, and is legally bound to act in the best interests of that third party, putting the third party’s interest before their own. duty is at the heart of everything we do in our partnerships with clients—we put your best interests first, period. We firmly believe that investors deserve to work with a trusted professional financial adviser who will help them grow and protect their wealth over time without being beholden to third-party commissions, incentives or interests. Our first and only loyalty is to our clients. Since inception, we’ve been a fee-only investment adviser. We are only paid by our clients, never by a third party.

Our Managed BondA financial instrument representing an IOU from the borrower to the lender. Bond issuers promise to pay bond holders a given amount of interest for a pre-determined amount of time until the loan is repaid in full (otherwise known as the maturity date). Bonds can have a fixed or floating interest rate. Fixed-rate bonds pay out a pre-determined amount of interest each year, while floating-rate bonds can pay higher or lower interest each year depending on prevailing market interest rates. Program is designed for investors who prefer or require investing in high-quality individual bondsA financial instrument representing an IOU from the borrower to the lender. Bond issuers promise to pay bond holders a given amount of interest for a pre-determined amount of time until the loan is repaid in full (otherwise known as the maturity date). Bonds can have a fixed or floating interest rate. Fixed-rate bonds pay out a pre-determined amount of interest each year, while floating-rate bonds can pay higher or lower interest each year depending on prevailing market interest rates. rather than bondA financial instrument representing an IOU from the borrower to the lender. Bond issuers promise to pay bond holders a given amount of interest for a pre-determined amount of time until the loan is repaid in full (otherwise known as the maturity date). Bonds can have a fixed or floating interest rate. Fixed-rate bonds pay out a pre-determined amount of interest each year, while floating-rate bonds can pay higher or lower interest each year depending on prevailing market interest rates. funds. The portfolios we build combine the objective of providing a steady stream of income with protecting your original principal. Constructing a well-diversified bond portfolio is both an art and a science. Our fixed-income research team has the experience, knowledge and perspective to build a diversified portfolio of high-quality bonds to meet your individual needs. Our Managed Bond Program can be an appropriate choice for high-income earners, retirees or anyone looking to preserve hard-earned capital and generate a specific rate of return over a proscribed period of time.

Adviser Investments recognizes your financial needs go far beyond a risk-aware investment portfolio. Our financial planners can provide you with guidance on a wide range of decisions, including:

• Preparing for retirement
• Paying for college
• Minimizing taxes
• Estate and legacy planning
• Property transactions
• Charitable giving

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The benefits of offering tax-deferred retirement savings plans for your employees are difficult to ignore. At Adviser Investments, we have years of experience providing advisory management to 401(k) plansA 401(k) plan is a retirement account that a company sets up on behalf of its employees. Both the participant and the employer can contribute to the account. There are two types of 401(k)s, traditional and Roth. Income invested in traditional 401(k)s isn’t taxed while it’s invested, but is taxed when it’s withdrawn. Income invested in a Roth 401(k) is taxed before it’s invested, but no tax is paid when it is withdrawn. and endowments. Our services for plans and their participants include: An initial evaluation, where we examine your existing plan and suggest improvements to the investment options as necessary; the creation and management of diversified portfolios within your plan suited for a range of investment objectives at varying levels of riskThe probability that an investment will decline in value in the short term, along with the magnitude of that decline. Stocks are often considered riskier than bonds because they have a higher probability of losing money, and they tend to lose more than bonds when they do decline.; and ongoing education on saving for retirement as well as opportunities for participants to discuss integrating their personal investments with their retirement assets in a comprehensive wealth-management plan.