Our Investment Philosophy

  1. We take a long-term view of investing and will not speculate on short-term fluctuations.
  2. We rely on diversification to safeguard our clients’ assets and control risk.
  3. We will remain flexible in terms of asset allocation to take advantage of opportunities.
  4. We seek to minimize investment costs to maximize our clients’ wealth.
  5. We approach each and every decision with the understanding that our clients’ interests come first.
  6. We invest our personal assets in many of the same funds we invest our clients’ assets.
Managing substantial assets successfully presents many challenges. It requires time, expertise, discipline and high-quality investments with low costs. That’s why we specialize in Fidelity and Vanguard. We dedicate our time to researching and analyzing all the funds at Fidelity and Vanguard and then select the ones we believe are best for you. This includes both index and actively managed funds. In fact, with expense ratios for index funds just a fraction of the average cost of most mutual funds, your total cost, including our professional guidance, may be lower than what most mutual fund investors pay – without guidance!

Our passion and dedication to this investment approach is so profound that we invest our own personal assets (and those of family members) in the same funds we invest in for our clients. We are invested right alongside you. And that’s not all. We continuously monitor the funds and their manager’s performance and will make changes when it’s beneficial for you to do so.

At Betro | Mileszko & Company, we are committed to providing our clients with expert and professional investment advice that is free from any potential conflicts of interest. Unlike many other investment advisors and brokers that sell proprietary products or get compensated through commissions, we do not sell investment products and refuse to accept any commissions from the companies we typically invest with – Fidelity and Vanguard. As a client you can relax and enjoy peace of mind knowing our team of investment professionals is working for you. Your investments will be handled discreetly and professionally with complete independence.

Our Investment Process
Delivering Value and Discipline While Keeping Costs Low

The first step in developing a customized portfolio for you is to have an understanding of your financial situation and needs. We do this through a Confidential Client/Investor Profile that we help you complete. The information gathered in your Confidential Investor/Client Profile tells us important things about your current financial condition, investment goals, and attitude toward risk. When completed and reviewed with you, we will have a comprehensive understanding of who you are and what investment approach will best serve your needs.

Once we understand your needs and goals, we then take an assessment of current market and economic conditions by examining a number of fundamental variables that shape our investment outlook. This assessment also helps us identify where investment risks and opportunities are most prevalent and identifies what asset classes and styles seem to offer the greatest opportunities to meet your individual goals. We make the all-important and oftentimes overlooked decisions about what portion of your portfolio should be invested in stocks, bonds, short-term instruments, and alternative investments. In fact, most academic research has shown that your portfolio’s performance is derived primarily through asset allocation, not individual fund selection – and many investors never even consider it.

After developing your asset allocation plan, we then focus on deciding which Fidelity and/or Vanguard funds offer the best opportunity to implement a cost-effective strategy that’s appropriate for you. This will include index funds and exchange traded funds (“ETFs”). We then supplement the “core” or indexed component of your portfolio with a number of actively managed funds that have a history of outperforming their benchmark. The result of this process is a well-diversified low-cost portfolio for you that includes many of the “best-in-class” fund managers. The process does not end there. Once we invest your portfolio assets, we continually evaluate the underlying funds in your accounts with attention to how performance compares with appropriate market benchmarks. If a fund is not meeting our expectations or a manager change occurs, we will reallocate your holdings to make sure you remain on course to meet your investment goals.

Our Investment Process

  1. Identify Your Investment Goals and Risk Tolerance
  2. Evaluate Market and Economic Conditions
  3. Determine Asset Allocation Strategy
  4. Allocate to Desired Funds
  5. Monitor and Rebalance