Core Investment Policy Statement
Anglia Advisors's core investment policy is the unwavering belief that our clients are best served, wherever possible, by employing thoughtfully and professionally allocated, broadly diversified, tax-optimized, low-cost, risk-appropriate investments in the form of exchange-traded funds (ETFs).
Not in any individual stocks/bonds, expensive actively managed mutual funds, annuities, insurance-based investment products, private equity, limited partnerships or complex structured products.
With the exception of infrequent tactical shifts in asset allocation in response to significant changes in market conditions or a client’s circumstances, tax-optimization strategies, and a robust rebalancing policy, Anglia Advisors believes that frequent trading within the account, numerous buys and sells, individual stock-picking and continuous attempts at market timing are detrimental to clients from the perspective of long term rate of return, transparency, costs incurred, and tax efficiency.
Each account is allocated after thoughtful consideration of its particular time horizon, specific goals, likelihood of premature withdrawal, the client’s risk tolerance/capacity, and other individualized circumstances as well as in full collaborative consultation with, and approval of, the client.
Anglia Advisors never accepts commissions, fees, or payments from any third parties in order to promote, refer, recommend, or sell any proprietary investments, products, insurance policies or strategies to our clients. Anglia Advisors does not sell any form of insurance or annuities, nor does the firm offer paid legal or tax advice.
Nor do we pay/accept referral fees to/from other professionals in respect of services for our clients. Our compensation comes exclusively from a flat-fee and monthly retainer based model in addition to fees applied to optional investment management services.
Anglia Advisor's written commitment to acting as a fiduciary to clients at all times can be found here.
Investment Advisor Public Disclosure Report
The SEC's Investment Advisor Representative Public Disclosure Report and regulatory history for Simon Brady, CFP® can be found by entering the name here.
(You can easily check the public disclosure, regulatory, licensing and disciplinary history of any financial advisor by clicking either here or here, depending on which licenses or designations the advisor holds)
All written content on this site is for information purposes only. Opinions expressed anywhere herein, including on the page "SIMON'S BLOG", are solely those of Anglia Advisors unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.
Advisory services are offered through Anglia Advisors; an investment advisor firm domiciled in the State of New York. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute.
This website may provide links to others for the convenience of our users. Our firm has no control over the accuracy or content of these other websites.
Form ADV Parts 2A and 2B
As a Registered Investment Advisor, Anglia Advisors makes the most recent version of the firm's Form ADV Part 2A (Firm Brochure) and Part 2B (Brochure Supplement) available upon request.
Copies will always be made available to potential clients prior to execution of the firm's client engagement agreement and existing clients will receive updated versions of Form ADV Parts 2A and 2B at least annually.
This policy forms a part of Anglia Advisors's Form ADV Part 2A but a version is reproduced here for your convenience.
Anglia Advisors respects the privacy of all clients and prospective clients (collectively termed “customers”), both past and present. It is recognized that you have entrusted our firm with non-public personal information and it is important that both access persons and customers are aware of firm policy concerning what may be done with that information.
The firm collects personal information about customers from the following sources:
• Information customers provide to complete their financial plan or investment recommendation;
• Information customers provide in engagement agreements and other documents completed in connection with the opening and maintenance of an account;
• Information customers provide verbally; and
• Information received from service providers, such as custodians, about customer transactions.
The firm does not disclose non-public personal information about our customers to anyone, except in the following circumstances:
• When required to provide services our customers have requested;
• When our customers have specifically authorized us to do so;
• When required during the course of a firm assessment (i.e., independent audit); or
• When permitted or required by law (i.e., periodic regulatory examination).
To ensure security and confidentiality, the firm maintains physical, electronic, and procedural safeguards to protect the privacy of customer information.
Tax, Legal or Medical Advice
As a Registered Investment Advisor, Anglia Advisors is NOT permitted to offer direct tax advice, legal advice or medical advice and no firm communications of any kind (written, media, electronic or verbal) should be construed as such.
Committee For the Fiduciary Standard
Anglia Advisors is listed as a committed firm on the Committee For The Fiduciary Standard website.
Presentations, Seminars and Workshops
Anglia, Inc. (doing business as Anglia Advisors) may provide educational workshops for attendees (including online presentations such as webinars or podcasts) desiring general advice and information on investments and personal finance. Topics may include issues related to financial planning, educational and estate planning, retirement strategies, or various other economic and investment topics.
These are all educational in nature and do not involve the sale of insurance or investment products. Information presented will not be based on any one person’s need nor do we provide individualized investment advice to attendees during our general sessions.
Note: For those attendees/sponsors residing in New York, the execution of this agreement shall not waive or limit compliance with, or require indemnification for any violations of, any provision of New York Securities Law.
System Account Aggregation
Certain account aggregation systems offered by Anglia Advisors to some of its clients may allow them to view their account statements from various financial institutions, such as banks or credit unions and investment account custodians, in one place.
They simply gather existing data from a variety of sources and will let clients see it via a convenient portal. Anglia Advisors is not affiliated with any account aggregator and does not receive any type of fee or other consideration from the provider if you sign up for account aggregation, although a fee may be optionally assessed to the client by Anglia Advisors for access to the portal.
Before they decide whether to use an account aggregator, anyone should understand what it does and does not do. An account aggregator assembles data from various sources, and the information it gathers may include some data about historical account performance, but an account aggregator is not an investment performance reporting tool. The data it passes on to you may not have been verified by the account aggregator or by Anglia Advisors.
Clients should always review their official account statements, and not consider any consolidated report such as that available through an account aggregator or any similar service to be a substitute for your actual account statement.
Client online credentials for linked accounts are never stored by or available to Anglia Advisors.
Anglia Advisors has no control over an account aggregator’s security practices or its current or future privacy policies. Our firm will assume no responsibility for any damages resulting from client use of an aggregation service.
Certified Financial Planner Board Of Standards
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
Anglia Advisors is not affiliated in any way with any of our strategic partners. We never pay/receive any compensation to/from any of these partners in return for any exposure, referrals or discounted services that may be offered. While Anglia Advisors has reason to believe in the quality of services provided by our strategic partners, we cannot be held liable in any way for the services or security procedures offered by these third party providers.
The firms and principals of other Neuland Alliance Key Partners or the Managing Partners have no financial stake in, nor any part-ownership of, Anglia Advisors.
University College Advisors
Anglia Advisors has entered into a service provision agreement with University College Advisors, but the firms and principals are otherwise not affiliated in any way, nor is Anglia Advisors a member of the Independent Educational Consultants Association. http://universitycollegeadvisors.com/
Anglia Advisors, other than being a WeWork Commons Unlimited member, is not affiliated in any way with WeWork LLC and does not pay/receive any compensation to/from WeWork LLC in return for any discounted services offered to its members. https://www.wework.com/
Anglia Advisors has contracted with E-Money for financial planning software and account aggregation services, but is otherwise not affiliated in any way with E-Money. While Anglia Advisors has reason to believe in the quality of services provided by E-Money, we cannot be held liable in any way for the services or security procedures offered by this third party provider. https://www.emoneyadvisor.com/
Betterment For Advisors (B4A)
Anglia Advisors has contracted with Betterment For Advisors for provision of an asset management platform and custodian services, but is otherwise not affiliated in any way with Betterment LLC. https://www.bettermentforadvisors.com/
Anglia Advisors may sometimes recommend the use of online or mobile micro-saving tools, such as Digit, Clarity, Qapital and/or Empower. Anglia Advisors is not affiliated with any of these providers and does not pay/receive any compensation to/from any of them in return for clients using their services. While Anglia Advisors has reason to believe in the quality of services provided by these platforms, we cannot be held liable in any way for the services or security procedures offered by these third party providers.
Max My Interest®
Anglia Advisors is not affiliated in any way with Max My Interest® and does not pay/receive any compensation to/from Max My Interest® in return for clients using their services. While Anglia Advisors has reason to believe in the quality of services provided by Max My Interest®, we cannot be held liable in any way for the services or security procedures offered by this third party provider. https://www.maxmyinterest.com
Anglia Advisors has contracted with Interactive Brokers for provision of an asset management platform and custodian services, but is otherwise not affiliated in any way with Interactive Brokers. https://www.interactivebrokers.com
Anglia Advisors has contracted with CS2 Compliance for compliance services. http://www.cs2compliance.com/