WHAT DO YOU NEED FROM AN INVESTMENT ADVISOR?

• Liquidity. Your money should be invested in vehicles that can be readily sold. Not only does this provide you with access to your money when your needs change, but more information is usually available for readily tradable investments. This is why we invest our client’s money in mutual funds, stocks, money market funds, or bonds, and not limited partnerships or direct investments.

• Freedom of access. Although your investment advisor may assist you in accessing your money, he or she should not be a gatekeeper between you and your own money.

• Clear-cut expenses. You should know what you are paying your investment advisor, and fees should be easy to understand. While you should expect to pay additional expenses such as commissions and administrative fees to the discount brokerage, your investment advisor should be concerned about keeping these as low as possible. Andresen and Associates takes no commissions from any source.

• Simplicity. Your investment advisor should simplify your financial concerns so that you can get on with other pursuits. Your communications with your investment advisor should be open and unrestricted, embracing realistic expectations and reasonable goals.