We are held to a Fiduciary Standard!

Simply put, Blue Ocean Portfolios has a legal obligation to serve your interest and your interest only.  Very few investment advisors assume this role.  In fact we have been endorsed by Matt Hutchinson, Independent Fiduciary, as one of the few 401(k) providers in America who have demonstrated true fiduciary behavior.

A “fiduciary standard” is a much higher standard than the “suitability standard" which applies to all of the stock brokers, mutual funds, and most investment advisors.  A "fiduciary standard” requires Blue Ocean Portfolios to manage your wealth in your best interest, while the vast majority of brokers and so-called advisors sell products that earn them up-front and trail commissions.  These commissions are often cleverly hidden from you.  How can those types of arrangements make sense for you?  On the other hand, Blue Ocean Portfolios never earns commissions from the investments in your account.  We must and will always look for the best investment vehicle to meet your goals – not ours!   Any and all money that we earn from our relationship with you or your organization is shared with you.  Ask other so-called investment advisors if they are held to the same standard.  In fact, ask them to put it in writing.

Blue Ocean Portfolios provides investors with passively-managed, well-diversified model portfolios while eliminating all unnecessary fees.  There are no commissions or 12b-1 fees, and there are never any revenue sharing arrangements.  We charge only a management fee which never exceeds 1%.

Education is a key component of a client’s experience with Blue Ocean Portfolios.  We strive to provide guidance and information through this website, client reviews, and through our affiliation with The Financial Coach which includes workshops and the weekly radio show.  Our “common sense” approach to investing gives clients peace of mind by utilizing proven strategies: passive investing, appropriate asset allocation and diversification, and an automatic rebalancing strategy based on the concept of “Constant Proportionality."

“History shows that in the long run a thoughtfully designed, diversified strategy of “passive” funds typically beats all but a few active managers. It’s not easy to structure and maintain such a strategy. It requires some initial research and discipline to stay the course. But it’s much easier than predicting which active managers will randomly beat this approach.”

-Eugene F. Fama, Jr., Director of Dimensional Fund Advisors, 2001

“Investment Policy [asset allocation] is the foundation upon which portfolios should be constructed and managed.”

-Charles D. Ellis

Investment Policy, 1985