Institutional Investing


"When trillions of dollars are managed by Wall Streeters charging high fees, it will usually be the managers who reap outsized profits, not the clients. Both large and small investors should stick with low-cost index funds."

- Warren Buffett, Berkshire Hathaway1

Investment consultants and managers may struggle to justify their fees when results are compared against the appropriate baseline indexing strategy, controlled for risk. We believe it is time for the financial industry to stop enriching itself excessively at the expense of America's non-profit institutions and their employees.

Our institutional investing program begins with a promise to always be transparent. We will not mislead you: institutional investing is large and hence seen as a potent source of revenue by financial firms. But we do not believe, in general, the fees taken are justified by performance.

The best way to understand the fees and opportunity costs your institution has been paying is to have us run a simulation of your current program against the low-cost indexing approach. If a gap exists, and you are not satisfied with the explanation, a switch may be in order.

We execute traditional and environmentally-focused investment approaches.

Finally, we recommend that you read this article about institutional investing of Carthage College (indexers) vs Harvard University (not indexers).

1 Berkshire Hathaway Inc. 2016 Shareholder Letter

Our Shelburne, VT Financial Advisors have vast experience with institutional investing. Learn more here.

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How We Are Different
Low-fee index funds. Transparent & fiduciary financial advisors.
Local Financial Advisor
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Investment Management
We tailor to each client. Index funds at the core.
Index Funds
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Investing: What to Focus On
Low-fee index funds. fee-only advisor.
Switching Financial Advisors
Can be uncomfortable, but an important step.
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Timing the Market in 2020
2020 - a case study in the futility of market timing.
How Financial Firms Bill
Fee-based vs. fee-only, and lots more.
Who Supports Indexing?
Bogle, Swensen, Buffett, and others.
Transparency
One click to see our fees.
Mutual Funds vs ETFs
Clarifying the difference.
Does Stock Picking Work?
The research says no.
Countering Arguments Against Index Funds
What happens in a down market?
Annuities
Lots of fees, little clarity.
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Invest in the basket.
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In the Media

Shelburne, VT Financial Advisor

Frank Koster | Josh Kruk | Keith McCarthy

5247 Shelburne Rd, Suite #101

Shelburne, VT 05482

(802) 777-9768

Stowe, VT Finanical Advisor

Available for meetings in Stowe.

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(802) 999-2321

Burlington, VT Financial Advisor

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77 College Street #3A

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(802) 503-8280

Darien, CT Financial Advisor

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(203) 554-9466


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