Investment Analysis and Architecture

As your investment advisor, we take an unbiased approach to selecting the best funds and constructing pinnacle portfolios.  We do not receive any compensation or commissions from the funds we recommend.  Since we are a fee-only advisor, we have a fiduciary responsibility to our clients to act solely in their best interest.

Fund Selection

We follow a quantitatively rigorous process to select only the best funds and the best fund managers.  Our process relies on MF Analytics®, a proprietary fund evaluation developed by Willow Ridge Capital Advisors, to help answer five critical questions:

• Does this fund match the requirements of the portfolio?
• Can we trust the manager?
• Is the manager effective?
• Is the manager efficient?
• What is the total cost of fund ownership?

Our discipline ensures that you have high quality investment options.  We update our evaluations over time make certain your options remain high quality.

WRCA Efficient Value® Portfolios

While plan participants can select individual funds, we offer several different portfolio structures designed to target specific risk ranges, return levels, and investment strategies.  Our Efficient Value® portfolios are diversified across asset classes, and are highly structured and disciplined to perform at a given level of risk and return.

Performance and Risk Assessment

We are constantly watching the markets and the mutual funds we recommend.  By choosing WRCA as your retirement plan's investment advisor, you can be assured that we are diligently tracking the investments and their performance, efficiency, and risk measurements.

Total Cost of Ownership

Excessive expenses, fees, and sales charges can severely diminish a plan participant's account value.  But, the total cost owning a fund also includes expense associated with portfolio turnover.  Portfolio turnover refers to how often a fund manager replaces the assets in a fund in a given year.  The higher the turnover, the more expensive that fund is to own.  All of these expense components are taken into consideration to arrive at a total cost of ownership.

We are careful about making sure our clients do not pay high or excessive fees for the mutual funds they invest in.  We realize that small changes in fund expenses can make a big difference in your retirement account’s performance over time.  All of the funds we work with have no loads, low turnover, and only small expense ratios.  This means that our clients retain more of their hard earned cash, which is put to work building wealth in their portfolios.