A number of factors:

• We build a strategy to your personal requirements. Generally this leads to more efficient utilization of resources and better outcomes. Certainly it gives you more control.
• We look at your entire financial life. This gives us a wider opportunity to add value.
• We operate on a fiduciary basis. This protects you from aggressive sales techniques.
• To extent possible we work with your existing portfolio, which minimizes tax and transaction costs.
• We incorporate careful tax planning in our approach to ensure that more of your return actually ends up in your pocket.
• We wrote the book on risk control. This protects you from unacceptable losses.
• Our automated online consultation is priced at a wholesale price point normally only available to institutional investors.
• Most importantly, we are investment professionals focused on delivering a professional service.

Yes we do it and, no, we do not charge extra. Tax loss harvesting is the process of selling assets that are at a loss position in taxable accounts and reinvesting the proceeds. The losses can be booked and used to reduce income tax on realized investment gains and, to a very limited extent, on ordinary income. There is a black-out period subsequent to the sale in which the asset can not be repurchased in any account (not just the account from which sold) or else the tax benefit will be denied. Accordingly, to do tax loss harvesting correctly it is necessary to advise on all accounts. When the portfolio consists of a fair number of fairly volatile securities, say 50-60 common stocks, tax loss harvesting can improve performance by about 1% per year for the first ten years of the portfolio's life. When the portfolio consists of a small number of less volatile index funds or a number of mature holdings the opportunities for loss harvesting will be fewer and the performance boost more modest. Aggressive tax loss harvesting can produce a large number of transactions to report on tax returns and correspondingly complex returns. While our default is to take a moderate stance on tax loss harvesting, we permit the client to specify a more or less aggressive approach. At Lloyd Tevis, we always provide the client the best possible service as our basic service and thus there is no incremental charge for tax loss harvesting.

You can get started with the online consultation through our Get Started. If you like the service you can open account with us, which will cost $100 and will commence a quarterly billing of advisory fees. You can cancel at any time without further obligation. You do not need to send funds to us. Your funds remain with their current custodians and we provide you with instructions on what transactions should be executed.

You can transition to our Concierge Service at any time.

You can always use us for a second opinion on your investments. Some investors choose to keep part of their funds in an account which they direct themselves and to place the other part with an adviser. We can accommodate that structure.

The legal structure of the standard online service is not intended for professional use. However, we will enter into subadvisory relationships with advisers. Call our office and ask to discuss our partners program.