Our Partners

The largest independent custodian in America, TCA has been protecting the assets of investors since 1972. Our philosophy has always been, and remains, fiscally conservative. We believe that financial strength is the foundation of providing value to our clients in all market conditions. We provide conflict-free custodial services to  RIAs, with no advisory network, fund families or investment advice to complicate the relationship. This gives your advisor the freedom to act exclusively in your best interest. Our only focus is keeping your assets safe.

Safety & Soundness:  Share Accountable for billions of dollars in assets, Trust Company of America (TCA) ensures the safekeeping of your clients’ assets under custody by managing, tracking and holding title to the actual securities.

Strictly Regulated: As an FDIC insured depository institution, TCA complies with federal statutes and regulations enforced with stringent FDIC examinations. We are supervised and examined by the Colorado pision of Banking and are bound by Colorado State Banking Commission regulations. We are also audited annually by a top-10 CPA firm to ensure accurate reporting of assets. Your clients’ securities are always held separately from corporate assets. TCA does not borrow for our own use or loan out any security owned by account holders for another firm’s use. While TCA holds title to clients’ securities, investments in mutual funds are held at mutual fund companies and direct investments in equity securities are safely held at JPMorgan Chase & Co. — a large, reputable and highly regulated organization

Highly Insured: Your assets at TCA are always protected. Through our charter with the FDIC, investors’ cash deposits are insured up to $250,000 per account. At the corporate level, TCA’s insurance coverage includes $10 million for Financial Institutions Bond/Computer Crime and $15 million for Bankers Professional Liability.

Financially Sound: TCA has an excellent track record of profitability and financial strength, and has no long-term debt. Our operating performance has enabled us to self-fund our market expansion and capital growth, so we haven’t had to seek long-term debt to support our business -

Dedicated to Privacy: TCA is committed to preserving the confidentiality of all information related to our clients. We will not disclose any non-public personal information about clients or former clients except as required by law. We carefully restrict access to personal client account information to only those employees who require that data to provide products or services. TCA maintains physical, electronic and procedural safeguards to ensure the confidentiality of all non-public client information. – See more at www.trustamerica.com

We align the world’s investments with investor risk tolerance.

Despite all of our advances in technology, the world still invests the vast majority of its financial assets using a combination of gut instincts, hunches, emotionally-driven decisions and “what we learned in college.”

As a result, when markets pull back, investors typically pull the plug—locking in horrible losses, sitting out the recovery and waiting until the market “feels safe” again to reinvest at the top, and repeat the cycle.

Riskalyze is transforming the advisory industry by empowering investment advisors to capture a quantitative measurement of client risk tolerance, and use that data to win new clients, capture and meet expectations and quantify suitability.

Our core technology is built on the academic framework that won the Nobel Prize for Economics in 2002. Our customers used that technology to build more than $2 billion in portfolios in 2012. Visit riskalyze.com

 

CLS Investments, LLC (CLS) is a third-party investment manager, ETF strategist, and long-time trusted partner in the financial industry. CLS’s active asset allocation approach, customizable strategy offerings, and extensive risk management experience have led financial professionals to entrust their clients’ portfolios to CLS since 1989. Today, more than 35,000 investors depend on CLS to manage their investment portfolios and help them reach their financial objectives. Since many financial advisors find their strengths lie in cultivating relationships and creating an overall financial strategy for their clients, they often choose to outsource the portfolio management function of their role to CLS. The advisor maintains the direct relationship with the client, while CLS’s portfolio management and analytics teams take on the day-to-day research, trading, and operations. CLS also stays in regular contact with our investor clients, allowing us to keep updated on their financial situations and evolving needs.
 
Risk budgeting is a risk-based active asset allocation approach that incorporates the discipline of strategic asset allocation with the flexibility of tactical asset allocation. Through this methodology, portfolio risk is targeted to the level the investor specifies based on his or her financial goals and investment time horizon. We enhance portfolio return potential through active asset allocation, through which we make moves within the portfolio to take advantage of areas we believe show opportunity. Risk budgeting allows CLS to provide investment expertise parallel to that typically only received by high net worth investors and large pension funds.
 
CLS confirms its commitment to open, honest & ethical practices.
Standardized investment performance reporting gives investors the transparency they need to compare and evaluate investment managers. GIPS® standards are a rigorous set of investment performance measurement standards recognized worldwide for their credibility, integrity, scope, and uniformity. CLS claims compliance with the Global Investment Performance Standards (GIPS®)*. CLS voluntarily demonstrates a commitment to business ethics and transparency, as well as adherence to comprehensive rules governing input data, calculation methodology, composite construction, disclosures, and reporting. 
 
A seasoned and accomplished team of financial and investment professionals works together to analyze thousands of investment options in order to manage CLS’s proprietary funds and build risk-budgeted portfolios for individual investors. Currently, the 12-member team has more than 160 years of combined experience. Four members are Chartered Financial Analyst (CFA) charter holders and five are candidates for the designation. Additionally, one team member holds a Certificate in Investment Performance Measurement and another holds the Chartered Market Technician designation.
 
CLS Investments, LLC (“CLS”) is an SEC Registered Investment Advisor and an affiliated company of Northern Lights Distributors, LLC. The services offered by CLS are wholesaled through licensed representatives of Northern Lights Distributors, LLC.
 

Vanguard is one of the world’s best-known and most respected investment firms. The company’s Pledge to Clients promises to:

  • Put investors’ interests first at all times.
  • Manage investments with prudence, a long-term perspective, and the goal of providing returns consistently better than those of competitors.
  • Hold ourselves to the highest standards of ethical behavior and fiduciary responsibility.
  • Strive to be the highest-value provider of investment services by offering outstanding performance and service while keeping costs as low as possible.
  • Communicate candidly about investment risks and costs as well as potential rewards.
  • Maintain highly effective controls to protect the assets and confidential information that are entrusted to us.
  • Employ a talented, diligent, and perse crew to ensure that our clients are well served.
  • Adapt, evolve, and continuously improve in pursuit of excellence in all we do.

SEI offers deep experience and an institutional approach to investing that complements our focus on setting and achieving goals. SEI’s top priority is helping investors reach their destination, whether that’s a secure retirement, funding a college education, or leaving a legacy to their heirs.

SEI, founded in 1968, is headquartered in Oaks, Penn., and has more than 2,700 employees worldwide. SEI is one of the world’s largest managers of financial managers, using the most up-to-date research to anticipate changing investor needs and to create innovative solutions designed for inpidual and institutional investors alike. SEI’s products and services help corporations, financial institutions and inpiduals create and manage wealth and reach their goals.

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Contact Detail

Michael MacDonald Financial
2300 Contra Costa Blvd Suite 175
Pleasant Hill, CA 94523

mikemac@thefinancialadvisor.org
thefinancialadvisor.org
Phone: 925-521-0110

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