Freshfield is an independent Registered Investment Advisor and offers individuals expert investment management and financial advice. Freshfield provides these services as a fiduciary, meaning we’re legally obliged to put our client’s best interests first. Unlike brokers, we don’t earn commissions by selling proprietary products such as mutual funds or annuities. By taking a client-first approach, we put our focus where it should be: on you and your investment goals. We believe this and the following four key benefits determine why 9 out of 10 clients entrust their investments portfolios to us for the long term*.
*Average annual client retention, 2009-2018, calculated as 1-[sum of (# of terminations in year/# of clients in year)]/# of years
1. Personalized portfolio management
We take the time to learn about your personal situation, cash-flow needs, time horizon and investment goals. And we discuss with you our investment methodology and philosophy. Then, we develop an investment strategy designed to meet your needs and goals. Going forward, we check-in regularly to make sure your portfolio continues to be aligned with your goals.
2. Financial advice & expertise that matters
The core principles of modern portfolio management are (1) diversification and (2) the control of investment costs. They are by far the biggest determinants of a portfolio's success in meeting its investment target. We rigorously apply these principles to the management of our clients' portfolios to maximize the likelihood of our clients achieving their financial goals.
3. Low, transparent fees
We are an independent, fee-only firm. Our only compensation is the management fee we receive from our clients (we do not earn commissions so there's no incentive for us to buy or sell investment products or excessively trade your account). The fee for an account depends on the account's value. Hence, the better our clients do, the better we do. In other words, our interests are aligned with yours.
4. White-glove service
We treat each client as if they are our only client. You will hear from us regularly, not because we have some new product to sell, but to keep us current with your situation and to keep you updated about your portfolio. Our goal is to help you understand what is going on with your portfolio so you have the confidence to reach your long-term investment goals. What's more, an economist is always available to you to discuss your portfolio, financial plan or other financial matters.
We offer a full range of tailored advice and investment services
We build a customized portfolio for every client. A client's portfolio reflects their unique financial circumstances, time-horizon, cash-flow requirements and investment objectives. And it is adjusted to keep pace with their evolving situation and requirements. At Freshfield, our deep investment knowledge and global reach means we can provide the understanding and flexibility to meet our clients' long-term investment goals.
Our financial planning gives you a holistic analysis that takes every financial aspect into account. Together, we’ll examine your current financial situation and cash-flow requirements and review your investment horizon and investments goals. Once we’ve investigated all these aspects, we’ll present you with a customized financial plan designed to maximize the likelihood of reaching your long-term goals.
Owner's of 401K accounts from previous employment have four options: (1) It may be possible to leave the 401K where it is, (2) if your new employer offers a 401K plan, it can be transferred there, (3) you can cash out your account but would be assessed taxes and penalties and (4) you can roll your 401K into an IRA. No one option is the best for everyone but some options are far better than others. Freshfield helps owners of 'old' 401K accounts choose the option which is best for them.
Annuities are often discussed as a way to enjoy market-like returns without the same risk or to ensure a guaranteed income stream for life. But annuities are in fact insurance products, and the profits of the companies providing annuities are the difference between what they make from your money and what they pay back to you. Freshfield doesn't sell annuities, but clients frequently come to us with annuities whose characteristics don’t match their financial goals.
Having a financial plan and your investments managed the right way by focusing on risk-management and cost-control substantially increases the likelihood that you will be ready for the retirement you want.
Dr. Andy Lawson, BS, MS, PhD, Financial Advisor and Investment Manager and Freshfield's Founder
Dr. Andy Lawson is a financial economist specializing in financial advisory and investment management. He holds a Bachelor of Science degree in Mathematics and a Master of Science degree in Statistical Sciences from Southern Methodist University in Dallas, Texas and a Ph.D. degree in Financial Economics (Investments) from the University of Texas in Austin, Texas. Andy developed his portfolio management skills working with institutional investors—holding senior positions at a hedge fund, a pension fund advisory and an economics consultancy—and conducting scholarly research. His research interests include stock valuation, portfolio diversification, mutual fund performance, stock price volatility and the management of portfolio risk. During his research he has collaborated with a number of renowned economists and contributed to the economics literature**. Andy now provides financial advice and investment management to clients with a variety of investment objectives in the United States and Europe. He is a member of the American Statistical Association and the American Finance Association and lives in Dallas, Texas. Andy continues to carry out research relevant to the management of investment portfolios.
Written by Economist Dr. Andy Lawson, our Investing Wisely series of blogs provide penetrating insights into some of today's most important and controversial investing issues.