Our Philosophy
No one pays me except for you. I am a fiduciary financial advisor.
It's quite surprising that financial advisors can legally receive payments from mutual funds, annuities, and whole life insurance providers for promoting their products! This sets up a glaring conflict of interest, as these extra fees are ultimately passed on to you, the investor, by the fund rather than being disclosed upfront by the advisor. While the industry may use terms like "sales charges," "commissions," or "trails" to describe these fees, we see them as ethically questionable. At our firm, we prioritize transparency. You're the sole source of our compensation, and we ensure our billing practices are transparent and easily understandable.
Keep it Simple.
In Lancaster, PA, simplicity reigns supreme. It's a principle we firmly believe in because simplicity breeds understanding, understanding fosters discipline, and discipline yields positive outcomes. This approach not only streamlines your life but also simplifies tax time. While the financial industry often thrives on complexity, we argue that much of it is unnecessary and doesn't necessarily translate to better returns. Nestled 300 miles west of the hustle and bustle of New York City, Lancaster offers a serene backdrop against the backdrop of Pennsylvania's countryside. Our financial advisors here will mirror this tranquility and simplicity in crafting your investment strategy.
Longevity
Recognizing the significance of longevity is paramount. To truly thrive in the long run, we must delve deep into understanding your unique circumstances and adopt a mindset that spans decades, rather than mere months or years. Unfortunately, this forward-thinking approach isn't always the norm in the financial world. Nowadays, clients of larger firms often experience impersonal call center interactions and may find themselves assigned to different financial advisors over time. Furthermore, unlike advisors contracted by your employer, our relationship remains intact even if you change jobs. At CWR Capital Management, our commitment to you extends beyond fleeting moments; we're here for the long haul, ensuring stability and continuity in our partnership.
Low Fee Index Fund Investing - Low Fees Matter.
Low-fee index funds offer a compelling investment choice due to their cost-effectiveness and performance consistency. These funds typically track a specific market index, such as the S&P 500, aiming to replicate its returns. With lower management fees compared to actively managed funds, investors can benefit from higher net returns over time. According to a study by Morningstar, low-cost index funds outperform actively managed funds in the long term, largely due to the compounding effect of lower fees. Additionally, a report by Vanguard emphasizes that minimizing costs is a key determinant of investment success, as fees directly erode returns. Thus, opting for low-fee index funds aligns with a prudent, long-term investment strategy, maximizing potential gains while minimizing expenses. You can see our fee table here.