PHILOSOPHY

At Solaris Private Wealth Management we have a very simple philosophy - "Do What's Best For Our Clients!"

We accomplish this by:

• Being a "fee-only" Registered Investment Advisor ("RIA"). As such, Solaris is not compensated by commissions or back-door financial arrangements with investment product sellers. Equally important, as a RIA, Solaris has a fiduciary or legal responsibility to act in the best interests of our Clients.
  
  
• Realizing that all investors, irrelivant of portfolio size or net worth, needs assistance in managing their financial lives.
  
  
• Incorporating top-rated asset managers and mutual funds in our portfolios. Through Solaris, our clients have access to some of the best rated, no-load mutual funds in the industry. Our Clients are not confused by "A", "B", or "C" shares, since the funds we utilize in our portfolios have no front or back loads (charges to purchase or sell a mutual fund), low expense ratios and typically rated 4 and 5 stars by Morningstar.
  
  
• Charging low asset management fees. While the industry average annual Investment Advisory Fee is 1.25% of portfolio value, at Solaris, we feel that is too high. Therefore, most of our clients pay an annual fee of 0.50-0.75% of actively managed assets. Because of our fiduciary relationship with our clients, we believe it is our responsibility to keeps fees as low as possible.
  
  
• Maintaining good commuication with our clients. At Solaris, we proactively call and communicate with our clients, we don't wait for them to call us. We believe that as a trusted advisor, part of our job is to monitor their account and proactively communicate recomended portfolio changes to them.
  
  
• Assisting our clients with all aspects of their wealth management strategy. Today's investors don't need some stockbroker pushing the latest stock or investment product, they need a trusted advisor that they can turn too in all aspects of their financial lives - that is where Solaris comes in. Our Clients know that we provide them guidance in all financial matters, from refinancing a mortgage to setting up a family trust or saving for their retirement or children's education.
  
  
• Utilizing the custodian services of Charles Schwab & Co., a leader in the Registered Investment Advisory field. When we first researched which custodian we wanted to partner with, we determined there was only one company that is one of the most respected firms on Wall Street, has an untarnished 25-year history in the RIA industry and manages over $500 Billion in Assets in their RIA program. That Company is Schwab Institutional, a division of Charles Schwab & Co.