Unconventional Investor - Strategy

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Business Model

My business model is designed to provide high quality investment advice. I do not take custody of client assets, preferring to work instead via Limited Power of Attorney. This provides tremendous value and security to my clients.

CUSTODY
Unconventional Investor, LLC does NOT take custody of assets. I work via Limited Power of Attorney. This avoids an expensive layer between advisor and client. Vanguard can do all the back office and custody tasks very inexpensively and is the right long-term home for your assets. If Vanguard offered advisor custodial services, I would use them, but Vanguard exists solely to serve individual investors. Since I do not have custody of your assets, I cannot deduct fees (or anything else) from your account. I bill customers directly, providing superior transparency.

LIMITED POWER OF ATTORNEY
Limited Power of Attorney provides superior client safety when compared to custody. Limited Power of Attorney is valid only at one institution (such as Vanguard) and only authorizes trading on the customers account. Other key actions, such as changing beneficiaries, addresses or transferring funds in or out of the account are all PROHIBITED.

VANGUARD
Vanguard is the low cost provider in the mutual fund industry. Of the three dominant mutual fund companies (American, Fidelity, Vanguard) it is the only one owned by its customers, with no corporate profit motive. A for-profit company has incentive to increase their profits by charging clients higher fees. Clients working with Vanguard sidestep this conflict and enjoy low cost investments.

As Vanguard says on their website:
Your interests are the only interests we serve. Most investment firms are either publicly traded or privately owned. Vanguard is different: We're client-owned. Helping our investors achieve their goals is literally our sole reason for existence. With no other parties to answer to and therefore no conflicting loyalties, we make every decision -like keeping investing costs as low as possible - with only your needs in mind. More about The Vanguard Group