We take a holistic, client-centric approach to investment management. We feel we need to understand your entire financial picture so that we can manage your investments appropriately.  This is more than asset management: it is an integrated approach to personal finances that looks at your goals and values, assets, debts and cash flow. We follow through by providing our investment management clients with on-going financial planning and consulting at no additional charge.

The key elements of Azure Financial Advisors’ investment philosophy are:

• Use low cost investments — we search to find the best low-cost ETFs and mutual funds for you, and you never pay a load.
• Understand and control risk — we assess your capacity for investment risk and recommend an appropriate level for you.
• Minimize taxes — we work with your existing low-cost basis holdings, use tax-efficient investments, harvest losses to offset gains, avoid excessive trading that results in capital gains, and position investments appropriately between taxable and non-taxable accounts.
• Minimize trading costs — we take advantage of low or no-commission investment options and keep portfolio turnover low.

Fees for comprehensive investment management are based on a percentage of the assets under management: 1%/year for the first $500,000, 0.75% for the next $1.5 million and 0.5% for the amount over $2 million. Client’s assets are held in an account in their name at Charles Schwab. The client gives Azure Financial Advisors limited power of attorney over their account, which allows us to make trades but not to withdraw funds.