News & Weblinks

Resources

News & Weblinks

Web Links

IRS.gov

SocialSecurity.gov

EFTPS (Federal Tax)

HARP Home Refinancing

AnnualCreditReport.com

BankRate.com

SavingForCollege.com

News Services

Calculated Risk

Seeking Alpha

The Wall Street Journal

Investor's Business Daily

Barron's Online

Google Finance

Bloomberg

Forbes.com

Fortune.com

CNNfn

Yahoo! Finance

Calculators

Yahoo Finance Calculators

FinancialCalculators.com

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Videos

Resources

Videos

Wealth Management

Tax & Income Planning

Fiduciary Difference

CFP® Certification

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Market Commentary

Resources

Market Commentary

1 Quarter 2017

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3 Quarter 2016

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4 Quarter 2016

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2 Quarter 2016

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FAQ

Resources

Frequently Asked Questions

Q: Do I need an advisor?

A: The honest answer: We don't know if you need an advisor, and if you do, Broadhurst may or may not be the right advisor for you. Determining whether we are a good fit takes place during a 60-to-90-minute Discovery Meeting. This discovery process enables us to limit our practice to 50 clients for whom we can provide substantial value.

We look forward to exploring your financial goals with you to determine whether we are the right firm to help you in achieving those goals. If not, we will direct you to someone who might be better suited to help you.

Q: What happens after the Discovery Meeting?

A: We take the portfolio information that you've provided, as well as the answers to our questions regarding your goals, values and objectives, and develop unique recommendations for you. We then schedule a meeting in which we walk you through your plan step-by-step and share the investment strategies that our team of experts has recommended specifically for you. Your plan will be designed to maximize the probability of achieving your goals.

Q: What separates you from other financial advisors?

A: Broadhurst stands apart based on not only our experience and expertise but also as a fee-only fiduciary providing comprehensive wealth management. What's more, Broadhurst is among a select number of firms providing access to low-cost, highly regarded Dimensional Funds Advisors (DFA) funds. We only work with clients for whom we can make a substantial impact and limit our practice to 50 clients.  Finally, NAPFA, CFP and CFA credentials are very unique, substantial designations and well regarded evidence of our committment to best practices.

Q: How do you add value to my situation?

A: Our job is to help you make smart decisions with your money. We often find that we can add the most value by preventing clients from making costly mistakes. One of the best ways to avoid those mistakes is to have a long-term plan in place. In addition, we add value for clients by finding tax deductions, lowering your investment costs, using institutional assets that are superior to retail assets and helping you avoid commission-based products sold by brokers. We help clients to "right-size" their insurance costs (although we do not sell insurance), and we devise smart, tax-effective estate planning and gifting strategies.

Q: What is your required investment minimum?

A: For clients needing comprehensive wealth management, including investment consulting and advanced planning, our minimum is $1 million of investable assets. For clients only needing investment management and do not need comprehensive wealth management, there is a $100,000 minimum through our fee-only partner Index Funds Advisors

Q: What is your investment approach?

A: We believe in passive asset-class exposure, which is similar to index investing. We use low-cost, highly regarded institutional funds from DFA that are only available through select advisors.DFA funds have a strong performance record and are more tax efficient than retail index funds. We use DFA funds to build a risk-appropriate, globally diversified, tax-efficient portfolio for each client. We do not believe in stock picking, market timing, or active management. We strongly oppose and avoid expensive mutual funds and hedge funds.

Q: How much input do clients get into how you manage their money?

A: As much as they like. Together, we evaluate your capacity for taking risk in a quantitative and qualitative fashion. Before investing the first penny of your money, we agree on an asset allocation and portfolio design. After your money is invested, we rebalance your portfolio as needed to bring it back in line with your target asset allocation.

Q: Where will my assets be held?

A: Broadhurst's primary custodian is Pershing LLC, a division of the Bank of New York/Mellon and the largest clearing firm in the United States. We are also able to custody assets through our fee-only partner at Charles Schwab Institutional, Fidelity Institutional, and TD Ameritrade Institutional.

Q: What is a Discovery Meeting?

A: In a discovery meeting, we ask you a series of questions about your goals and values, key relationships, service needs and preferences, assets and liabilities, and interests to make sure that we completely understand what you would like to accomplish and how we might best serve you. We also gladly answer your questions. Answers to many common questions can be found in our Form ADV

Q: Is there a cost for the Discovery Meeting?

A: There is no cost for the first or second meeting as we get to know each other. However, if you require our advice or very specific recommendations on topics of immediate concern, we may tell you that an advisory fee is required before those services are provided.

Q: What is a fee-only financial advisor?

A: Fee-only advisors are registered investment advisors with a fiduciary responsibility to act in their clients' best interest. Additionally, they do not accept any compensation based on product sales. Fee-only advisors are generally seen as providing more comprehensive advice, and having fewer inherent conflicts of interest, than brokers.

Q: What does being a fiduciary mean?

A: In short, a fiduciary is a party who is sworn to act in the best interests of his or her clients. Fiduciaries must avoid or clearly disclose any conflict of interest and must place clients' goals ahead of even their own business goals. A doctor, lawyer and CPA are all examples of fiduciaries. Broadhurst Financial Advisors is a fiduciary. Most stockbrokers at the big-name firms are NOT fiduciaries and only abide by a much lesser"suitability" standard.

Q: Are my assets insured?

A: Client assets are insured for fraud and theft up to $1 billion. However, asset values may fluctuate as the markets fluctuate; there is no guaranteed return or return of capital when one invests in securities such as mutual funds.

Q: What fee do you charge?

A: We do not accept commissions from products we recommend.
Our annual wealth management average fee is 1%. Your actual fee depends upon assets under management. Our fee schedule starts at 1.25% and decreases to 0.5% as your asset levels increase. Fees are billed quarterly in advance and are refundable if you cease to be a client. Quarterly minimum fees are $2500.
For clients not needing the comprehensive financial planning aspects of wealth management, investment management only may be offered through our relationship with Index Funds Advisors. At IFA, we help clients with at least $100,000 invest in a risk-appropriate, globally diversified, tax-efficient portfolio of low-cost DFA funds.

Q: Will you pick stocks and bonds for me?

A: No, security selection such as picking stocks, is not a wise investment strategy. We help clients to invest in a risk-appropriate, globally diversified, tax-efficient portfolio of low-cost passive and index funds.

Q: How do I transfer my assets to you firm from another advisor?

A: Assets are typically transferred from custodian to custodian directly. You accomplish this by simply opening a new account with our custodian Shareholders Service Group / Pershing and signing asset transfer forms that will move your assets. Cash assets can simply be deposited by check or wire transfer into your brokerage account.

Q: How often do you meet with clients?

A: Typically four times in the first year. In subsequent years, we may continue to meet quarterly or less frequently, as the client prefers. In some years, we meet with clients very frequently, as they are going through a major transition, such as retirement, marriage, divorce or death of a family member.

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Newsletters

Resources

Newsletters

"2024-04-16 - Profits and More Profits"

Quarterly Market Review Q1 2024 Broadhurst Financial

"2024-04-09 - Creative Scams"

"2024-04-5 - An Unfortunate Fable"

"2024-04-2 - Debt Rising, Consumption Falling?"

"2024-03-29 - AI Everywhere"

"2024-03-26 - Rare Metals Needed"

"2024-03-22 - China's Economic Puzzle"

"2024-03-19 - PE Encroachment"

"2024-03-08 - Leftover Rollover"

"2024-02-23 - Warmer Sooner Longer"

"2024-02-09 - COVID"

"2024-02-02 - Returns after Highs"

"2024-1-26 - Preparing for the Sunset"

Quarterly Market Review Q4 2023 Broadhurst Financial

"2024-1-24 - Russia"

"2024-1-19 - Bitcoin"

"2024-1-16 - Good Vs Bad Debt"

"2024-1-9 - Military Spending"

"2023-12-8 - Effective vs. Marginal Rates"

"2023-12-5 - Quarterly GDP Growth"

"2023-11-17 - Intelligent Computers"

"2023-12-1 - Long Term Care"

"2023-11-28 - 2024 Tax Brackets"

"2023-11-23 - Population Everywhere"

"2023-11-21 - Year End Planning"

"2023-11-14 - Charitable Contribution"

"2023-11-7 - Roller Coaster"

"2023-11-3 - Loss Harvesting"

"2023-10-31 - The Looming Revert"

"2023-10-27 - AI Into Your Home"

"2023-10-24 - Downturn Opportunities"

Quarterly Market Review Q3 2023 Broadhurst Financial

"2023-10-17 - 3rd Qtr Investment Report"

"2023-10-10 - Living in the Good Old Days"

"2023-10-06 - Financial Phobias"

"2023-10-03 - AI Mania"

"2023-09-27 - FDIC Dilemma"

"2023-09-19 - Disaster Insurance cost"

"2023-09-12 - Are We Better Off"

"2023-09-08 - Economic Noise"

"2023-09-05 - Wilderness Areas"

"2023-09-01 - Housing Starts in Decline"

"2023-08-29 - Dangers With Bonds"

"2023-08-24 - Annuity Rates and Pitfalls"

"2023-08-22 - Sizable Cities"

"2023-08-18 - Powerful Passports"

"2023-08-15 - Rates Moving Rates"

"2023-08-11 - Working Remotely"

"2023-08-08 - Exploring the Digital Dollar"

"2023-08-04 - Buying International"

"2023-08-01 - Bankruptcy Epidemic"

"2023-07-18 - Recession Returns"

"2023-07-14 - Retirement Expenses"

"2023-07-11 - Faulty Forecasts"

Quarterly Market Review Q2 2023 Broadhurst Financial

"2023-07-07 - 2023 Second Quarter Investment Report"

"2023-07-04 - Working Hours"

"2023-06-30 - Share Repurchases"

"2023-06-27 - Diminishing Stock Market"

"2023-06-23 - More Jobs"

"2023-06-20 - Inhuman Web Traffic"

"2023-06-16 - College Loans"

"2023-06-15 - Vacation or Not"

"2023-06-09 - Losing Value Slowly"

"2023-06-06 - Debt Ceiling Update"

"2023-06-01 - Is the Dollar in Danger"

"2023-05-26 - Your Surprising Longevity"

"2023-05-23 - Wage Growth vs Inflation"

"2023-05-19 - Crypto Complications"

"2023-05-16 - Chinese Style Management"

"2023-05-12 - Taxes on the Horizon"

"2023-05-09 - Inflations Ripple Effect"

"2023-05-03 - Market Turbulence Warning"

"2023-04-17 - 2023 First Quarter Investment Report"

"2023-04-12 Tax Smart Charitable Giving"

"2023-04-07 Student loan forgiveness"

"2023-04-04 SIPC Protections"

"2023-04-01 The Declining Quality of Corporate Earnings"

"2023-03-30 Diamond Values"

"2023-03-28 IPO Performance"

"2023-03-25 Rediscovering Budgeting"

"2023-03-23 Bond Aftershock"

"2023-03-21 Banking Woes"

"2023-03-17 David vs Goliath"

"2023-03-14 Bond Apples to Apples"

"2023-03-12 The SVB Mess"

"2023-03-10 Inflationary Sugar"

"2023-03-07 Volatile Gas Prices"

"2023-03-03 Backdoor Loophole"

"2023-02-28 National Sales Tax"

"2023-02-21 Unfunded State Liabilities"

"2023-02-17 Retirement Rules"

"2023-02-14 Executor Obligations"

"2023-02-10 Debt Ceiling Circus"

"2023-02-07 Social Security Debate"

"2023-01-31 Solar Credits"

"2023-01-17 Crypto Fable"

"2023-01-10 Investment Report"

"2023-01-04 SECURE_ACT_2.0"

"2022-12-16 Dividends and Harvesting Losses"

"2022-12-13 Unproductive Tech"

"2022-12-12 Ukrainian family fundraiser"

"2022-12-09 Crowded Orbits"

Career Asset

IPO Risks

Inflation Impacts

Crypto Collapse

The Bear in China

Big Oil Big Profit

Student Loan Update

Big Oil Big Profits

Short-Term Nonsense

Fearlessly Awful Forecasts

Behind the Numbers

The Ever-Stronger Dollar

Oil Production in U.S.

Green Stock Exchange

The Cure

Saving Rate Ups and Downs

The Downturn in Perspective

Student Loan Forgiveness

Crypto Pains

Jobs Everywhere

No Fed to the Rescue

Falling Fares

Encouraging Jobs Report

The Big New Bill

Recession Report

Social Security Benefits Going Up

Locking in Real Losses

The Inverted Casino

Unusual Downturn

NOT Transitory Inflation

Taking Tax Advantage

The Fed and the Bear

Stock gains can add up after big declines

The Cost of Trying to Time the Market

Long-Term Investors

Historical Grocery Prices

Differing Inflation Impacts

Persistent Inflation

Bear Anxiety

Medical Cost Protection

Bear Market Strategies

Not Your Father's Retirement

Muni Demand

Generous Americans

Inflation Fears

Return of Manufacturing

Sharing the Pain

Crypto Haven

Puerto Rico Bankruptcy

Record Drought

Market Mysteries

Retiree Relocation

War and the Casino

Ski Mecca

The Happiest Countries

Evolving Diet Advice

The Bitcoin Rollercoaster

The Drug that Drives Medicare Premiums

Wages and Inflation

Bear or No Bear

Series I bonds

Messy Retirement Spending

Fed Credit Risk

Real Job Picture

Crypto Enforcement

Pricey Stamps

MONEY CIRCULATION IN THE SYSTEM IS AT PEAK, BUT WHERE TO LOOK FOR INFLATION!

SOCIAL SECURITY BENEFITS ARE TURNING OUT TO BE CONTROVERSIAL, BUT WHAT'S GOING ON WITH TRUST FUND!

AN UNDEFINED INVESTMENT ASSET RALLIES ALL TIME RECORD HIGH? THE SOARING CRYPTO

Look at the saving trends during this COVID pandemic!

So, here are the things which are taxable and which are not!

Are you spending right? Check this stimulus spending!

Large tech stocks continue to dominate the market, is this a new normal?

SPIVA U.S., A DATABASE TRACKER OF THOUSANDS OF FUNDS HAS COME UP WITH THE RESULTS!

THERE'S A LOT TO UNPACK IN THE NEWLY PASSED COVID RELIEF FROM CONGRESS

Market Jitters and Inflation Worries

Good Economic News

Down Stocks in an Up Market

Chasing Rainbows

New MRNA Therapies

Investing in Space

ROI STATE TAXES

Receding Moon

BRANCHING BANKING IS DYING

The Cost of Living

EXECUTOR PITFALLS

Protecting the Elderly

CALLAN PERIODIC TABLE OF INVESTMENTS RETURNS

Booming Home Sales

Crypto Investments

New Pain Technology

Social Security Health

Tax_Proposal_Consequences_Advance

Global Tax Rates

Inter-Family Loans

Government Bonds Around the World

Crypto Tragedies

Debt Ceiling

Dividend Scarcity

Tax Proposal Consequences

Second Quarter Investment Report

IRA Restrictions

State GDP Equivalents

Facts About Pumpkins

Reading Renaissance

Bitcoin

Social Security COLA

Estate Tax Rate changes

Is Bitcoin Legal

Corporate Tax Rates

A Beginners Guide to Cryptocurrencies

Quarterly Market Review (QMR) - Q4 2020 - Broadhurst Financial

Quarterly Market Review (QMR) - Q3 2020 - Broadhurst Financial

Quarterly Market Review (QMR) - Q2 2020 - Broadhurst Financial

Quarterly Market Review (QMR) - Q1 2020 - Broadhurst Financial

Quarterly Market Review (QMR) - Q1 2021 - Broadhurst Financial

Quarterly Market Review (QMR) - Q2 2021 - Broadhurst Financial

Quarterly Market Review Q3 2021 Broadhurst Financial

Quarterly Market Review Q4 2021 Broadhurst Financial

Quarterly Market Review Q1 2022 Broadhurst Financial

Quarterly Market Review Q2 2022 Broadhurst Financial

Quarterly Market Review Q3 2022 Broadhurst Financial

Quarterly Market Review Q4 2022 Broadhurst Financial

Quarterly Market Review Q1 2023 Broadhurst Financial

Annual Market Review - 2022 Broadhurst Financial

Annual Market Review - 2021 Broadhurst Financial

Annual Market Review - 2020

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Contact

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