Investment Services

True Wealth Advisory Group offers the unique combination of a Registered Investment Advisory Firm; True Wealth Strategies Co. who is licensed and regulated by FINRA, and the True Wealth Advisory Group, which represents extensive experience from top experts in the country in order to offer superior services. This distinctive union allows for an unparalleled freedom from the rigidity, constraints, and commission-based techniques of traditional, highly structured, and often self-serving financial services companies.

True Wealth Strategies Co. (a registered investment advisory firm) and True Wealth Advisory Group work to provide Fiduciary services of institutional-grade portfolio management and wealth creation advice for individuals, families, businesses, and non-profit organizations. We also provide advanced Life Insurance planning and Strategizing for individuals and estates.

Our investment philosophy is based on, The Prudent Investor Rule, as well as a variety of fact-based research including 50+ years of academic studies.  

Our Free Market Portfolio Theory is the synthesis of three academic principles:
1.    Efficient Market Hypothesis
2.    Modern Portfolio Theory
3.    The Three-Factor Model

      *See Below for further information about these principles

Together these concepts form a powerful, prudent, disciplined and diversified approach to investing. If you are interested in talking with one of our Financial Fiduciaries about how these princples can help you aquire security today and into the future. Call us at 1-888-679-5887.

Investments are offered through True Wealth Strategies Co.,

a Registered Investment Advisory Firm


Core Investment Philosophy

The Free Market Portfolio Theory
Creating, managing and preserving great wealth is a deliberate, incremental and comprehensive process. To be truly successful, this process requires more than the simple oversight of your financial transactions. When recommending solutions for your investment needs, we use the following philosophy to guide our principle recommendations.

Efficient Market Hypothesis

A fundamental component of Free Market Investing is the Efficient Market Hypothesis, first explained by Eugene F. Fama the 2013 Nobel Peace Prize Winner, in his 1965 doctoral thesis:

"An efficient market is defined as a market where there are large numbers of rational, profit-maximizers actively competing, with each trying to predict future market values of individual securities, and where important current information is almost freely available to all participants. In an efficient market, competition among the many intelligent participants leads to a situation where, at any point in time, actual prices of individual securities already reflect the effects of information based both on events that have already occurred and on events which, as of now, the market expects to take place in the future. In other words, in an efficient market at any point in time the actual price of a security will be a good estimate of its intrinsic value." Eugene F. Fama, "Random Walks in Stock Market Prices," Financial Analysts Journal, September/October 1965.

What Free Market Hypothesis means to you, the investor:

  • Recognize that the stock market, the media and popular culture, by and large, encourage behavior consistent with the belief that the market is inefficient. Without a clearly defined investment philosophy, it is easy to be manipulated by media, advertisers and investment professionals eager to sell products.
  • You must understand that there is a choice to be made about how you believe the market works. Do you believe it is efficient or inefficient?
  • Your market belief will guide your investment strategy.


What Free Market Hypothesis means to True Wealth Strategies Co. and its Professional Fiduciaries:

  •  We believe that markets are efficient. One of our Expressed Convictions is Free Markets Work!
  • We focus on capturing market returns.
  • We utilize asset-class or structured funds.
  • We diversify prudently. 
  • We eliminate stock picking, track record investing and market timing from the investment process

Modern Portfolio Theory
The second basic component of Free Market Portfolio Theory is Modern Portfolio Theory, which earned the Nobel Prize in Economics in 1990 for the collaborative work of Harry Markowitz, Merton Miller and Myron Scholes. This theory is based on:

  • The risk of an individual asset is far less important than the contribution the asset makes to the portfolio’s risk as a whole.
  • For the same amount of risk, diversification can increase returns.
  • The mechanism to reduce risk is dissimilar price movements; therefore, the task is to find assets with low correlations.
  • The Efficient Frontier allows individuals to maximize expected returns for any level of volatility.

The Three Factor Model
The final component of Free Market Portfolio Theory is the Three-Factor Model, which defines three independent dimensions of equity returns. There are three independent dimensions of equity returns. It is possible to apply these factors to measure the role of each factor in returns.
The 3 Factors are:
1.    The Market Factor: the extra risk of Stocks vs. Fixed Income.
2.    The Size Effect: the extra risk of Small-Cap stocks over Large-Cap stocks.
3.    The "Value" Effect: the extra risk of high Book-to-Market (BtM) over low BtM stocks.

Investing is uncertain. Research hasn’t fully resolved the nature of risk and price movements. Until recently, much of investing involved guessing what really matters in returns. In 1991 this changed. Eugene F. Fama and Kenneth R. French, two leading economists, conducted an exhaustive investigation into the sources of risk and return. Grounded in Efficient Market Hypothesis (EMH), their research revealed that a portfolio’s exposure to three simple but diverse risk factors determines the vast majority of investment results. These three factors are referred to as the Three-Factor Model.

True Wealth Strategies Co. Financial Fiduciaries recognize the Three-Factor Model when recommending engineered portfolios to determine how many equity positions to hold, the allocation between small and large equities and the allocation between value and growth equities in each of the Free Market seven investment models. When properly educated, investors have the opportunity to apply these factors to their portfolio productively.


Fiduciary vs. Broker

What a Financial Fiduciary does is act for your financial benefit, first helping you to understand all the complex issues involved in the investing process, and second helping you to make choices that align with your personal goals.

Financial Fiduciaries focus on creating peace of mind through sound and proven information vs. pushing sales and products as many planners and brokers do. Ultimately, the complexity of investing is a message problem, not necessarily a portfolio problem.

The solution is someone looking out for you, a Financial Fiduciary, who will help to educate and enlighten you by creating clarity and confidence around each decision that you make. You do not need to know everything if you have a coach helping you understand the few right things!


Strategize and Realize

The True Wealth Advisory Group's investment philosophy is based on a variety of fact-based research and 50+ years of academic studies. Our desire is for each of our client-friends to have a successful and fulfilling investing experience. We believe that by working with an Independent Registered Investment Advisor, a Financial Fiduciary, investors will avoid conflicts of interest that often diminish the experience, and the returns on their investments.

We believe in Markets, not "fortune-telling" Managers. Market performance is primarily determined by asset allocation and good discipline, not speculation like stock picking, market timing, or track-record investing.

Our studies prove that prudent and global diversification reduces risk while simultaneously increasing the chance for greater returns and overall confidence. We believe that an investor will acquire more peace of mind when they understand what, and why, they are doing what their doing.


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