Subscription Coaching  Investment Adviser

Investment Advisor

Investment Strategy

1. Do I have to make day-to-day management decisions?
2. Will I be informed if a trade happens?
3. Is every Client's investment different?
4. How do you pick which funds to invest in?
5. When will my account be rebalanced?
6. If I have a taxable portfolio how do you control expenses?
7. Do municipal bonds play into taxable portfolios?
8. Can I see your past performance?

Q1. Do I have to make day-to-day management decisions?

By selecting MarketRiders you are choosing to let us manage your day-to-day portfolio activities. Your written Investment Policy Statement is used as a guideline for asset allocation, if you decide you want to change this statement simply contact MarketRiders and an amendment can be created to reflect your new position.

Q2. Will I be informed if a trade happens?

Yes. Charles Schwab sends you a notice in the mail or through email whenever MarketRiders performs a trade in your account(s). These notices are automatic and you don't need to do anything at all.

Q3. Is every Client's investment different?

There is some duplication of index funds and ETFs but the percentages and the way they're dispersed are unique to each Client's individual needs. Many things play into individual Investment Policy Statements including taxes, the number of accounts in a portfolio and individual goals, this makes each investment portfolio different and specialized.

Q4. How do you pick which fund to invest in?

MarketRiders thoroughly researches the underlying structure of each fund to find the best representatives for each asset class. We do take cost into consideration, but it is not the primary determining factor, instead we look for the overall best way to blanket an area of the market or asset class.

Q5. When will my account be rebalanced?

Weekly comparisons between portfolio allocations and strategic targets are performed. If the asset allocation seems unbalanced then a rebalancing may occur depending upon dollar amounts in question, any expected future contributions or withdrawals, and future tax consequences.

Q6. If I have a taxable portfolio how do you control expenses?

MarketRiders is cognizant of tax expenses and uses several measures to limit taxable events to Clients. In fixed income security situations where the Client is in a high tax bracket we use tax free bonds. In addition, taxable accounts do not contain REIT funds because of their large annual distributions of ordinary income. Finally, through tax swapping we are able to achieve tax loss harvesting so losses can be used to offset gains and other income.

Q7. Do municipal bonds play into taxable portfolios?

If you are in a high federal income tax bracket then swapping taxable bonds for tax free municipal bonds is typically a good idea. This will give you the most favorable after tax income and a low amount of risk. MarketRiders prefers low cost municipal bond ETFs or individual municipal bonds, depending upon each Client's situation. We do no use bonds that are subject to AMT.

Q8. Can I see your past performance?

MarketRiders provides every client with detailed quarterly reports itemizing their account performance. But because each Client and account is unique we cannot publish any overall performance statistics. Some advisers will publish hypothetical performance based on a select situation but we feel this is misleading and not reflective of any real performance.