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Our clients appreciate the thoughtful way we manage their money, our shared values, and our responsiveness to questions. One of our goals is to help lower our clients' financial worries. [return to top]
We provide a range of services to meet your needs. Depending on the size of the portfolio and the degree of management, we can provide consulting services on an hourly basis, or comprehensive asset management on a quarterly fee. Click here to learn more about our fee structure. [return to top]
3. What type of client—in terms of age, employment, investment holdings and outlook—can best benefit from your services?
Almost anyone—from young professionals with a small portfolio, to retirees with a desire to reduce risk to the nest egg they have built—can benefit from our services. [return to top]
We place the majority of client's holdings in no-load mutual funds and other investment vehicles, and don't charge other fees or earn commissions on trades. [return to top]
A Fee-Only financial adviser is one who is compensated solely by the client with neither the adviser nor any related party receiving compensation that is contingent on the purchase or sale of a financial product. The adviser may not receive commissions, rebates, awards, finder's fees, bonuses or other forms of compensation from others as a result of a client's implementation of the individual's planning recommendations. This allows investment decisions to be based on performance and individual risk tolerance, avoiding the built-in conflict of interest of commission-based planners. [return to top]
Acceptable risk is dictated by many factors, including age, health, and financial goals. We include all these factors when helping you determine the healthiest ratio of low-risk to high-yield holdings—including your emotional tolerance to market volatility. [return to top]
We strive to provide you the best financial advice and management possible, giving you a well-balanced portfolio in the most advantageous holdings for your situation. If we only manage a portion of your portfolio, you risk exposing yourself to volatility that may otherwise have been avoided. [return to top]
Many of our clients either come to us through positive referrals, or because of bad experiences at other firms. They stay because they develop a deep trust and respect for the service we provide. Some clients have been with us over two decades, since the earliest days of our company's history. Death and job transfers are the most common reasons that we no longer manage client portfolios. [return to top]
Many situations arise that would benefit from the services of several financial professionals, such as the drafting of wills and trusts, etc. At Clayton Financial Services, Inc., we pride ourselves on providing the best service possible to our clients, and working with your existing attorneys, accountants and insurance providers is all part of our commitment to you. We can also provide referrals as you require. [return to top]
A financial planner will be assigned as your primary contact. That planner may involve the principals and other staff as the situation demands. In addition, our team of analysts is always working in the background to ensure your investments are held in the most suitable positions for your risk exposure. [return to top]
Our selection of funds is dependent upon the individual client's tolerance for risk. With each investment vehicle we consider its overall place in the client's portfolio in terms of expected return as opposed to historical risk. We select a blend of investments that are designed to reflect the client's risk tolerance, with a goal towards maximizing potential returns. [return to top]
National Financial Service LLC, A Fidelity Investments company, is the custodian for our client portfolios. National Financial Service does not make buy and sell orders without our authority; Clayton Financial Services, Inc. is sole manager of your account. With National Financial Service as your custodian, you receive round-the-clock account views, protection from online trade fraud, and insurance from the Securities Investor Protection Corporation (SIPC) and other insurance policies where eligible up to each policy limit. [return to top]
In most circumstances your accounts will be transferred to Fidelity Investments for ease of management and reporting. However, in some cases another custodian, such as TIAA-CREF, may be used for current employer plans. [return to top]
Clayton Financial Services, Inc. is solely owned by principals Debra and Randy Clayton, who founded the company in 1984. [return to top]
Clayton Financial Services, Inc. is a Registered Investment Advisor and is registered with the U.S. Securities and Exchange Commission to manage the investments of others. As a Registered Investment Advisor, we are held to a fiduciary standard, and by law must fully disclose any and all conflicts of interest in handling your assets. [return to top]
The financial lives of loved ones are often intertwined. We are happy to sit down with your children or parents to respond to their financial questions at your discretion. In doing so, you can be assured that they are receiving professional unbiased advice. [return to top]
Absolutely. Your employer's 401(k) program is managed through your employer's brokerage company, but we will be happy to review and make recommendations with an eye toward your overall financial outlook. [return to top]
Yes. We like to meet face-to-face at least once a year, though the exact frequency is client-specific. We can either schedule these meetings around times when you will be in our area, or we may travel to your location. If it's most convenient, phone meetings may be scheduled. Most activities can be handled over the phone, by mail or email. [return to top]
We, as your investment advisers, have an obligation to place you in the most suitable products or investments based upon your risk tolerance and objectives. This requires that we disclose how we are being compensated, and if there are any corresponding conflicts of interest. As a result, we are obligated to place client interest first. [return to top]
Clients receive quarterly newsletters; 24-hour online access to account information; documents as needed for taxes, loan applications, etc.; answers to a myriad of financial questions; notifications of educational seminars; and news you need on our Facebook page. [return to top]
We welcome prospective new clients. Our initial no-cost and no-obligation meeting is your opportunity to ask questions, as well as share your personal financial story. Your completed questionnaire will facilitate the development of a financial plan that is tailored to your unique needs. The questionnaire may be downloaded from our web site, or mailed at your request.
Call or email us today.