National Expertise, Texas Values.

Fiduciary duty. It’s a term we take very seriously at Concho Investment Advisors. Fiduciary duty represents a fundamental obligation to act in the best interests of the client, especially if it means subordinating our own self-interest to the client.

As a registered financial advisor, we are required by law to uphold the fiduciary duty standard, which means we have to put our client’s interest ahead of our own. We wouldn’t want it any other way.

Many financial professionals are brokers, including insurance agents. A broker does not have to live up to the higher fiduciary standard. The broker’s standard is called the “suitability” standard, which gives brokers the freedom to sell the product that pays them the most money, even if it is not the best for you.

As a financial advisor, we provide a service, not a product, for our clients. We get paid to manage your portfolio, not to sell you products. Since our compensation is not dependent on the products sold we can buy the most cost effective products. If your financial representative is long on superlatives and short on details AND he or she is selling a PRODUCT that will supposedly meet your objectives, then quietly say “Let me think about it” and give us a call.

Our comprehensive process starts with an evaluation of your goals and objectives. We then pair your unique circumstances with our investment insight to develop an easy-to-understand plan for achieving your financial goals. After your plan has been established, we meet quarterly or annually to show you specifically how you performed versus the market and versus benchmark portfolios. The process is transparent and easy-to-understand.

We don’t time the market and we don’t buy individual stocks. Instead, we buy low-cost highly-diversified investments modeled after the same processes used by the country’s largest institutional money managers.

We put our clients first at Concho Investment Advisors. Give us a call or email us to better understand how we can help you achieve your long-term goals.

Ed Yale, CFA
President and Chief Investment Advisor