Frequently Asked Questions (FAQ)

How do we invest?

GFM directly manages client’s brokerage accounts, investing our managed accounts directly into the world’s best stocks and bonds.  Our investment objective is to double the value of retirement savings accounts every 7-10 years up to age 65, then start generating steady retirement income after age 65.

What are the fees?

GFM fee-only (meaning we don’t get paid commissions or kickbacks to sell any products), and charges a simple transparent fee based on one of two models:

  1. Fixed management fee, starting at 1.5% per year of the value of the account, with lower percentages on higher balances.
  2. Performance fee, where we charge 10 – 30% of the profits earned on the account over a high-water mark in lieu of most or all of the fixed fee

These fees are in addition to custody or execution charges by the broker holding your account.

Where is my money and stock portfolio held?

GFM holds no client assets.  You open your account directly with a broker/custodian such as Interactive Brokers or Vanguard and appoint us with trading authority to manage that account.  This lets us focus on choosing the best investments, while your custodian provides you statements, safekeeping, and fund deposit/withdrawal services.

Do you manage IRA, 401(k), and 529 plan accounts?

GFM manages traditional IRA, Roth IRA, SEP-IRA accounts, and handles 401(k) rollovers to rollover IRA accounts.  We advise on 529 plans, but currently do not manage any directly.