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Look for a firm that is a fiduciary (legally requiring them to always act in the best interest of the client) and is only compensated by clients with no conflicts of interest. The fiduciary responsibility to diversify assets and ensure that costs are reasonable combined with overwhelming academic evidence argue for the use of low-cost index funds. If your investment firm is not using index funds for your portfolio, you should ask for a detailed explanation as to why.

We’ve built 100 globally diversified Index Portfolios that we match to each client’s capacity for risk. We do not rely on stock picking, market timing, or manager picking. We make no attempt to guess the next winning investment style or industrial sector. Our approach is to buy, hold, rebalance, and when feasible, tax loss harvest.