Core Investment Policy Statement

Anglia Advisors's core investment policy has at its heart the belief that, as our investment management clients, you are best served, wherever possible, by participating in thoughtfully and professionally allocated, cost-efficient, broadly diversified, tax-optimized, risk-appropriate portfolios. These are to be comprised of investments in the form of liquid, low-cost exchange-traded funds (ETFs), targeted to the clients' goals and objectives. In the case of accounts where such instruments may not be available (for example in most retirement accounts), investments that most resemble an ETF structure will be preferred.

Based on empirical data, we believe that the your best interest is absolutely NOT served by investment in any individual stocks/bonds, expensive actively managed mutual funds, annuities (with the very occasional exceptions of a Single Premium Immediate Lifetime Annuity or a Qualified Longevity Annuity Contract), insurance-based so-called "investment" products (such as whole life insurance), private equity or hedge fund investments, limited partnerships, crypto-currencies or complex structured products.

Anglia Advisors generally believes that frequent trading within a core account, numerous buys and sells, individual stock-picking, day-trading and continuous attempts at market timing are detrimental to clients from the perspective of long term rate of return, costs incurred, ending balance of the account and tax efficiency.

Having said that, we believe that a minority part of the portfolio could benefit from occasional tactical or strategic shifts in asset allocation in response to significant evolution of market conditions as determined by the advisor or a meaningful change in a client’s circumstances.

These shifts will be made by the advisor based on evidence-based or algorithmic factors and not by using hunches, gut feelings, or as a response to market "noise". Such portfolio adjustments will be based on what ends up happening, not based on what we predict will happen, because we recognize the futility of such predictions by ourselves or anyone else.

Additional portfolio adjustments may also be caused by tax-optimization strategies and a robust rebalancing policy.  

Each account is allocated after thoughtful consideration of its particular time horizon, specific goals, likelihood of premature withdrawal, your customized risk profile as measured empirically (and not by guesswork) and other targeted circumstances in full collaborative consultation with, and approval of, the client.

You will be provided with some context about how the investment markets work, why ETFs are preferred, why some outcomes are more likely than others, how risk is appropriately balanced so as to optimize – to the extent possible – your portfolio to accomplish the goals laid out between us. 

You will be provided with easy-to-read financial market reports every month so that you can keep on top of markets in general and your investments in particular. 

You will be provided with a fee schedule for asset management, laid out in black and white and also be shown exactly what the annual fund expenses associated with the portfolio are so that there is never any question about your true investment costs. 

You will be provided with a phone number direct to your advisor that you can call or securely text at any time and an email address that will be responded to promptly. Never hesitate to ask any question about your investments or our handling of them that’s nagging at you. 

You can be comfortable in the knowledge that your advisor is personally completely invested and has invested the assets of close family members in exactly the same types of investments, instruments and strategies that he will be suggesting and recommending to you.

This entire engagement is to be conducted under the Fiduciary Standard.

Anglia Advisors never accepts commissions, distribution fees, or payments of any kind from any third parties in order to promote, refer, recommend or sell any proprietary investments, financial products, insurance policies or strategies to our clients.

Anglia Advisors does not sell any form of insurance or annuities and is not compensated in any way for any client purchases resulting from a recommendation. The firm does not accept or pay any kind of referral fees to outside professionals. 

Account Aggregation and Online Credentials

Certain account aggregation and investment management 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, investment account custodians, retirement account providers, student loan providers in one place or allow advisor limited, partial access to investment and/or retirement accounts to conduct risk analysis or make certain allocation changes.

In many cases, this requires the client to enter the account's online credentials to effect real-time access to the account data. These online credentials are never made available to, held or stored by Anglia Advisors. 

In the case of aggregators, 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 you decide to use an account aggregator, you 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 provider nor 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. 

In the case of investment management, risk analysis of accounts or student loan repayment analysis, this usually works by you allowing limited, partial access to your account by using your unique login and password. Once again, these online credentials are never made available to, held or stored by Anglia Advisors. 

Your financial institution may or may not be able tell the difference between you and any third party that logs in with your access information.  You should review your account agreement with each financial institution to determine if providing your account access information to a third party violates your account agreement.  Your financial institution may also reserve the right, at its discretion, to decline to recognize this discretion over your account.

Additionally, advisor or aggregator access to the account may be limited or blocked from time to time by internal security protocols established by the institution (such as requiring password changes, answers to security questions, texting or emailing of verification codes/tokens etc.). In many cases, this may require re-entry of the online credentials by the client into the third-party system. In some cases however, our third party partners may have the technology to allow continued access by the advisor with the client granting permissions in advance, so that the client does not need to keep having to assist advisor sign on through communication or entry of this supplemental data.

Anglia Advisors has no control over the security practices or current or future privacy policies of these aggregation or investment management service providers and will assume no responsibility for any damages (financial loss, ID theft or any other damage) resulting from their use. While Anglia Advisors has reason to believe in the quality of such services, we cannot be held liable in any way for the services or security/privacy procedures offered by these third party providers. 

Website Content

All written content on this website is for information purposes only. Opinions expressed anywhere herein are solely those of Anglia Advisors unless otherwise specifically cited.

Material presented is believed to be from reliable sources but 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 accountant or legal or other professional counsel prior to implementation.   

The presence of this website on the Internet or communications received from the firm (electronic, media, written or verbal) 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, and cannot be held in any way liable for, the accuracy, content or security/privacy protocols 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. 

Privacy Policy

This policy forms a part of Anglia Advisors's Form ADV Part 2A but an edited 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 uses Polymail as an email client for all firm emails sent and received. Polymail is compliant with the EU-US Privacy Shield Personal Data Protection Policy as described here.


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.  

EU-US Privacy Shield Personal Data Protection Policy

The firm uses Polymail as an email client for all firm emails sent and received. Polymail is compliant with the EU-US Privacy Shield Personal Data Protection Policy as described here.

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 ever be construed as such.

Fiduciary Oath

Anglia Advisor's written commitment to acting as a fiduciary to clients at all times can be found here.

Committee For the Fiduciary Standard

Anglia Advisors is listed as a committed firm on the Committee For The Fiduciary Standard website.

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 and you can check here if your advisor has been named as a defendant in any SEC federal court actions or a respondent in any SEC administrative proceedings.)

Presentations, Seminars and Workshops

Anglia Advisors and its employees 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. 

Recommended Services

From time to time, Anglia Advisors may recommend the use by clients of services offered by third-party service providers, a number of which may include online resources. While Anglia Advisors has reason to believe in the quality of such services, we cannot be held liable in any way for the services or security procedures offered by these third party providers.

Neuland Alliance

Anglia Advisors and other Neuland Alliance Key Partners or the Managing Partners have no corporate relationship or connection with each other other than informally co-operating on certain projects of mutual interest.

http://www.neulandalliance.com/

WeWork

Anglia Advisors, other than being a WeWork Commons Unlimited member customer, 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/

Advizr

Anglia Advisors has contracted with Advizr for financial planning software and account aggregation services (see above for Account Aggregation and Online Credentials disclosures), but is otherwise not affiliated in any way with Advizr. Use of Advizr usually involves the client entering online account login credentials. These online credentials are never made available to, held or stored by Anglia Advisors. While Anglia Advisors has reason to believe in the quality of services provided by Advizr, we cannot be held liable in any way for the services or security procedures offered by this third party provider.

https://www.advizr.com/

Betterment For Advisors (Betterment LLC) & Apex Clearing

Anglia Advisors has contracted with Betterment For Advisors (Betterment LLC) for provision of an asset management platform and custodian services via Apex Clearing, but is otherwise not affiliated in any way with either firm. While Anglia Advisors has reason to believe in the quality of services provided by Betterment and Apex Clearing, we cannot be held liable in any way for the services or security procedures offered by either of these third party providers.

Robust Wealth & Apex Clearing

Anglia Advisors has contracted with Robust Wealth for provision of an asset management platform and custodian services via Apex Clearing, but is otherwise not affiliated in any way with either firm. While Anglia Advisors has reason to believe in the quality of services provided by Robust Wealth and Apex Clearing, we cannot be held liable in any way for the services or security procedures offered by either of these third party providers.

SendSafely

Anglia Advisors has contracted with SendSafely for secure, encrypted electronic document transfer (technical security details of which can be found here), but is otherwise not affiliated in any way with SendSafely. While Anglia Advisors has reason to believe in the quality of services provided by SendSafely, we cannot be held liable in any way for the services or security procedures offered by this third party provider.

https://www.sendsafely.com/

My Rep Chat

Anglia Advisors has contracted with My Rep Chat for provision of a secure and encrypted archiving system for text messages, but is otherwise not affiliated in any way with the firm. While Anglia Advisors has reason to believe in the quality of services provided by My Rep Chat, we cannot be held liable in any way for the services or security procedures offered by this third party provider.

http://www.ionlake.com/myrepchat/

Riskalyze

Anglia Advisors has contracted with Riskalyze for provision of risk analysis software, but is otherwise not affiliated in any way with the firm. Use of Riskalyze may involve the client entering online account login credentials. These online credentials are never made available to, held or stored by Anglia Advisors. While Anglia Advisors has reason to believe in the quality of services provided by Riskalyze, we cannot be held liable in any way for the services or security procedures offered by this third party provider.

https://www.riskalyze.com/

FeeX

Anglia Advisors has contracted with FeeX for provision of retirement plan analysis and allocation software, but is otherwise not affiliated in any way with the firm. Use of FeeX may involve the client entering online account login credentials. These online credentials are never made available to, held or stored by Anglia Advisors. While Anglia Advisors has reason to believe in the quality of services provided by FeeX, we cannot be held liable in any way for the services or security procedures offered by this third party provider.

https://www.feex.com/institutional

Regal Credit

Anglia Advisors has contracted with Regal Credit for provision of credit analysis and development services to be made available at a discounted rate to Anglia Advisors's clients, but is otherwise not affiliated in any way with the firm (see additional disclosure below). Data collected by Regal Credit from the client in order to generate a credit report is not made available to, held or stored by Anglia Advisors. The client can optionally request that the credit report generated by Regal Credit not be made available to Anglia Advisors, although the default circumstance is that it is shared with Anglia Advisors and thereby subject to the Privacy Policy outlined above. 

While Anglia Advisors has reason to believe in the quality of services provided by Regal Credit, we cannot be held liable in any way for the services or security procedures offered by this third party provider.

Additional disclosure: The owner of Regal Credit, Anthony Davenport, is a long standing professional acquaintance of Simon Brady, CFP® of Anglia Advisors and has employed one of Simon's family members to work at the firm's New York offices. 

https://regalcredit.com/
 

PayItOff

Anglia Advisors has contracted with PayItOff for provision of student loan debt management software, but is otherwise not affiliated in any way with the firm. Use of PayItOff may sometimes involve the client entering online account login credentials. These online credentials are never made available to, held or stored by Anglia Advisors. While Anglia Advisors has reason to believe in the quality of services provided by PayItOff, we cannot be held liable in any way for the services or security procedures offered by this third party provider.

Financial Media Exchange

Anglia Advisors has contracted with Financial Media Exchange for provision and distribution of media articles and certain client communications, but is otherwise not affiliated in any way with the firm. While Anglia Advisors has reason to believe in the quality of services provided by Financial Media Exchange, we cannot be held liable in any way for the services or security procedures offered by this third party provider.

https://www.feex.com/institutional

Micro-Saving Tools

Anglia Advisors may from time to time recommend the use of online or mobile micro-saving tools, such as DigitClarityQapital 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.

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.

Simon Brady's CFP® profile

CS2 Compliance

Anglia Advisors has contracted with CS2 Compliance for compliance services. 

http://www.cs2compliance.com/