Our Strategic Alliances
FR Financial Advisors, LLC is a member of The BAM ALLIANCE. The BAM ALLIANCE is a community of more than 130 independent wealth management firms located throughout the United States — united in belief and in practice that there is a better, more effective, and more resilient way for investors and their families to safeguard their financial futures and realize their dreams:
- We believe in delivering unbiased, transparent, evidence-based advice.
- We believe every investor is unique — requiring custom, comprehensive wealth management solutions.
- We believe that doing what’s best and doing what’s right should be one and the same.
Our principles and approach stand in sharp contrast to many in the financial services industry who prefer to play a rigged Wall Street game, often putting their own interests ahead of their clients’. That is not how it works within The BAM ALLIANCE. We believe that by putting our clients’ interests first, we achieve more together.
Attracted to our unbiased advice, our evidence-based approach to low-cost investing and our ability to deliver on the promise of true wealth management, more than 15,000 investors have become clients of independent BAM ALLIANCE wealth management firms across the country, representing more than $17 billion of collective assets as of September 30, 2012.
Forrest & Rubin, LLC is an affiliate of FR Financial Advisors, LLC, offering tax accounting and consulting services
Our passive asset class investment approach is translated by Dimensional Fund Advisors (DFA) into an array of mutual funds, each of which is rigorously designed to capture a particular “dimension” or asset class within a globally diversified portfolio. (DFA is our primary but not exclusive source for implementing our recommended investment approach.)
Working years ahead of the industry, Dimensional has forged a new way to invest. The firm inaugurated its strategies in 1981 with early research into the stronger performance of small cap stocks. Later, a comprehensive analysis of stock prices worldwide deepened the strategy repertoire and set a new standard for portfolio design. This evolution reflects an abiding belief in financial science and the efficacy of capital markets.
Alliance Benefit Group® (ABG) is one of the largest retirement plan administrators in the country. It currently provides administration services to over 7,000 plans representing more than $14 billion in assets and 440,000 participants. ABG assists us in delivering high-quality, low-cost retirement plan management by providing quality administration based on the latest technological innovations in their industry.
While FR Financial Advisors provides investment advice, we do not have direct access to your account assets. As a client Charles Schwab Institutional is custodian of your account. With your permission, FR Financial receives Limited Power of Attorney (LPOA) to submit trade requests on your behalf and provide you with regular reports that summarize your portfolio’s performance. However, you remain in control of your assets by having them held in accounts in your name. Charles Schwab Institutional provides us with the platform, products, programs and resources to serve our clients and grow our businesses efficiently and effectively.
Although we do not typically recommend annuities as a cost-effective investment vehicle, if you already hold an annuity that is restricted from or cost-prohibitive to surrender, you may be able to transfer it to an alternative annuity. AEGON has access to Dimensional Fund Advisor sub-accounts within a no-load, relatively low-cost variable annuity. Their annuity solution is consistent with FR Financial’s guiding principles by providing low-cost, passive asset class investing. The annuities will appear as separate accounts on your quarterly reports. With this information, we can manage these DFA funds as part of the overall portfolio.
First Mercantile, one of the premier collective investment trust (CIT) record keepers in the United States, offers investment solutions for qualified retirement plans. First Mercantile acts in a fiduciary capacity with respect to the management of the assets of the collective investment trust. Included on the investment platform are Dimensional Fund Advisors (DFA), Lifestyle and Target Date options.
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