Core Investment Policy Statement

Anglia Advisors's core investment policy is the unwavering belief that our clients are best served, wherever possible, by participating in thoughtfully and professionally allocated, cost-efficient, broadly diversified, tax-optimized, risk-appropriate investments in the form of exchange-traded funds (ETFs), targeted to the clients' goals and objectives.

We believe that the client's interest is NOT served by investment in any individual stocks/bonds, expensive actively managed mutual funds, annuities (with the occasional exception of a Single Premium Immediate Lifetime Annuity), insurance-based so-called "investment" products (such as whole life insurance), private equity, hedge funds, limited partnerships, crypto-currencies or complex structured products.

With the exception of occasional tactical or strategic 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 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.

In certain circumstances and for only for certain clients who have the desire and the capacity to handle a higher degree of risk, a minority portion of the portfolio may be managed more tactically. Portfolio adjustments within this portion will be made using evidence-based or algorithmic factors as determined by the advisor. 

Each account is allocated after thoughtful consideration of its particular time horizon, specific goals, likelihood of premature withdrawal, the client’s risk capacity and other targeted circumstances 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 and is not compensated for any client purchases resulting from a recommendation. The firm does not accept or pay referral fees to outside professionals nor does the firm offer any paid legal, tax or medical advice of any kind. 

Fiduciary Oath

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)

Website Content

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.   

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 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 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 ever 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 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. 

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 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. 

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 any aggregation service.

Neuland Alliance

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. 

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.

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/

E-Money

Anglia Advisors has contracted with E-Money for financial planning software and account aggregation services under its EMX portal (see above for System Account Aggregation disclosures), 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/

Advizr

Anglia Advisors has contracted with Advizr for financial planning software and account aggregation services (see above for System Account Aggregation disclosures), but is otherwise not affiliated in any way with Advizr. 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/

TeleMessage

Anglia Advisors has contracted with TeleMessage 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 TeleMessage, we cannot be held liable in any way for the services or security procedures offered by this third party provider.

https://www.telemessage.com/

FeeX

Anglia Advisors has contracted with FeeX for provision of retirement plan analysis software, 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 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). 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. 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/