We work closely with each individual to make sure they feel confident and secure in their financial life. We exercise flexibility in our agendas, realizing that financial questions don’t always adhere to a schedule. With this in mind, we’re available and happy to speak and meet after hours or on weekends. At MacDougall Financial we are proud of the work we do and strive to ensure that each client’s needs are met. We encourage anyone who is interested in learning more to call us. We are happy to advise on initial matters free of charge to give you an idea of how we operate.
The two fundamental drivers of our investment advice are:
Answering these questions is often referred to as developing an ‘Investment Policy Statement,’ but we define it as ‘knowing your client’. Based on our discussions of these starting points, we begin our portfolio construction by assessing the appropriate mix of equities and fixed income. This varies across clients, but typically we have a bias to equities because of their greater potential for intermediate to long-term growth. We are 100% fiduciaries, meaning we receive no commissions from any fund companies, and therefore our recommendations are entirely in our client’s best interest.
Cost is an important factor in any financial plan. We pride ourselves on providing top quality advice for a below market rate.
We charge a flat annual fee that covers all our services. This allows our clients to reach out to us on any matter, large or small, without incurring unnecessary or trivial costs. The fee typically comes in between a quarter and a half of a percent, but this is adjusted depending on our client's specific needs.
Please view our Investment Strategy to learn more about our method. Taking each client into account, we want to provide as little or as much detail as you’re comfortable with - essentially whatever is necessary to assist you in taking the next step towards your financial goals.
Please note, we currently use TD Ameritrade and Fidelity for custody of our clients’ assets and evaluate their services annually.