Securing Your Future

What We Do

You have a vision of the life you want to live. We make the financing work.

At Lloyd Tevis Investments we combine expert knowledge and proprietary technology to build a personalized strategy crafted to achieve your goals. Our object is to deliver a solution that works - not just warmed over general advice. That level of customizd service is normally only available from high end Wealth Management firms which expect you to have tens of millions of dollars in assets and to be prepared to pay hundreds of thousands of dollars in fees each year. To our mind that is a completely wrong headed approach since it makes advice accessible only to those for whom the advice is not really needed. We see investing as a machine for turning time and money into more money. The young may not have much money but they have lots of time and they should have access to advice also. Our fees start at $100 per year to help those just starting out build their wealth. As you move along in life your assets grow and life gets more complex. Our advice brings all the expertise you need to bear on your situation. Even if you have a rabbi trust, a stack of stock options and a portfolio of real properties spread across several states we can handle all that complexity. But we still do not charge a high fee. For accounts with over $20,000 we charge 1/2% of assets per year. When you realize that the standard investment manager fee is 1% and that high end brokers and life agents may charge 2% or even 3% you see that these are genuinely friendly business terms. You could pay less, but you will not get the same quality of advice. You could pay more, and if you select carefully you might get the same quality of advice.

Curious how one works with us? A short description makes it clear. How We Work

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Why You Can Rely On Us

Our firm was founded by Nicolo G. Torre, PhD CFA. He is a deeply experienced investment manager whose advice has been relied upon by many of the leading lights of the investment community. At MSCI/Barra he brought their industry leading risk model to a high state of perfection with numerous improvements discussed in the Wikipedia article Multiple Factor Models. The Barra risk model is relied upon by the global investment community to manage about half of world capital. Also at Barra Torre created many of the methods of algorithmic trading, including the first working model of pre-trade execution cost ("the Market Impact Model") as well as trading risk models, limit order models and methods of optimal trade scheduling. Currently algorithmic trading handles about half of daily stock trading volume. When the US Treasury first introduced inflation indexed bonds ("TIPS") they asked Torre, as an invited independent expert, to create the first investment case for the new asset class. That investment case was subsequently extended and specialized to many investor types in work done for Brown Brothers Harriman. So when Ishares and State Street Global Advisors first introduced the ETF it was natural for them to ask Torre to create the first ETF strategies. Currently TIPS and ETFs amount to 22 trillion dollars in issued assets. The ETF work led naturally to creating the first RoboAdvisor ("Sharebuilder") in joint work with ING bank. Citicorp then sought Torre's assistance in organizing their retail wealth management business and that led to the concept of Goal Based Investing that has been very broadly adopted in retail wealth management. Collectively the body of work to which Torre has contributed - risk management, algorithmic trading, TIPS and ETFs, RoboAdvisors and Goal Based Investing - has played a major role in shaping the modern capital market. At Lloyd Tevis Invesments Torre has pulled together a deep knowledge of how markets work with a lifetime of consideration of how invesment strategies should be formed and executed to craft a solution specific to your personal goals. In relying on his work you will simply be following in the footsteps of these front rank institutions who could have chosen anyone in the world to assist them and who chose Torre, repeatedly, to help them with their largest and most strategic projects.

What we are

We are an independent registered investment advisor (RIA) which is regulated by the US Security and Exchange Commission (SEC.) We are in active (good) status with the SEC. Our CRD number is 323061 and our status may be verified on the government website at https://advisorinfo.sec.gov/firm/summary/323061.

Registration as an investment advisor provides clients with substantial protections. Initial registration is granted only after the SEC conducts an in depth review of a firm's business and the adequacy of its regulatory disclosures. This review can take nearly a year to complete. Then government inspectors periodically make field examinations of the RIA. These examinations are carried out by teams of attornies and can extend for several months. Their purpose is to verify that the firm actually is operating in compliance with applicable laws and regulations and consistent with the statements in its disclosures. The SEC can sanction or close firms where improprieties are discoverd.

As an independent firm we are not affiliated to a bank or stock broker. That means you can leave your funds with whoever is holding them now. You do not need to change your existing providers to start working with us. Also we do not sell investment products or have narrow "approved lists." We prefer to keep you in your existing investments if possible because that minimizes your tax and transaction costs. We simply adjust and supplement as necessary to get your portfolio properly balanced.

Finally, we do business over the internet which means our service is available nationally and even to US nationals who may be living overseas. Our process is highly automated. If you do not want to talk to us that is fine. But we also have advisors who can meet with you by phone or online and give you whatever help you desire. We think no computer interface is ever as good as an old fashioned conversation.

What it costs

Our service is very affordable and accessible. There is no minimum account size. We charge a minimum fee of $100 per year. For accounts over $20,000 we charge 1/2% of assets under manageement per year. This fee is collected in quarterly increments, so on a $100,000 account the quarterly increment would be just $125. Even if you try to save fees by being a do-it-yourself investor you will probably end up paying more for newspaper and investment newsletter subscriptions - not to mention the value of the time you will have to dedicate to the task.

Who this is right for

Everyone. Our business terms are accessible to everyone. Our analysis will meet the demands of top executives with the most complex financial lives. Investing is a machine for turning time into money. The sooner you start with the right advice the more time investing has to work its magic.

Learn more?

We want happy clients and that starts with treating them right. There are no tricks or gotchas in our business. The full details are here on our website. But nothing equals trying it for yourself. We offer a complimentary test drive that lets you check out the service before having to pay anything.

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