About Us
Lotusment Advisors serves as a Financial Coach to our clients, providing investment analysis and management.
Who Are We
Fiduciary Standard
We put our clients’ interests first and clearly disclose any conflicts of interest.
Our Mission
To offer highly personalized advice to individual investors seeking to manage and grow their wealth at a level of risk they understand and are comfortable with.
Why choose us?
We are fiduciary.
We have a lower minimum account size and a lower fees.
$10,000 of account, with ETF strategy, annual fee is 0.5%
We can help diversify your investments with the use of sub-advisor strategies from Morningstar, Envestnet, Orion and Zacks platforms.
Our AUM fee ranges from 0.5% to 1.6%
At Lotusment Advisors, we offer highly personalized advice to individual investors seeking to manage and grow their wealth at a level of risk they understand and are comfortable with. We’re here to help you put together an investment plan tailored to your personal situation and goals.
Over meaningful periods of time, we expect that direct equity ownership will be the most effective way for investors to grow their capital
At Lotusment Advisors, our investment philosophy seeks to provide growth in our clients’ capital through investment in individual equity and ETFs. Our primary area of expertise is in the analysis of individual stocks and ETFs, and management of portfolios comprised of them.
The reason is straightforward. Investing in a diversified portfolio of common stocks provide for the opportunity to participate in the unlimited potential growth of those companies. Sector ETFs, Index ETFs and Fixed-income ETFs can also play a critical role in diversifying and reducing the overall volatility of a portfolio. We work extensively with each client to develop the appropriate asset allocation for their portfolio given their unique circumstances.
We follow a “core” approach to investing, which means that we don’t spend a lot of time worrying about which “bucket” (e.g., small-cap, large-cap, growth, value, GARP) a company is categorized in by Wall Street. Instead, we keep it simple. We invest in and lend to a wide variety of companies in different sectors, industries and geographies that we believe can generate attractive returns for investors relative to the level of risk involved.
In developing the structure of our firm, we have made several important choices that differentiate us from the vast array of brokerage firms, financial planners, and investment products that are available in the market today. Simply put, these principles provide a powerful structural advantage for our clients when compared to other approaches.
Fiduciary Standard:
As a Registered1 Investment Advisor with the State of Washington, we embrace the Fiduciary Standard. This standard requires us to put our clients’ interests first and clearly disclose any conflicts of interest.
Separation of Investment Decisions and Asset Custody:
We are solely investment advisors, not a broker-dealer. This means we do not custody our clients’ assets. Instead, client assets are generally with banks or brokerage firms that provide high-quality, low-cost custodial and transaction services. This separation provides an important layer of protection for our clients while keeping their costs very low.
The process of choosing a personal financial advisor can be confusing. Stockbrokers, life insurance agents, and investment advisor representatives are often known to the public as “financial advisors.” However, not all financial professionals are fee-only investment advisor representatives.
Fee-only investment advisors are legally required to abide by a fiduciary standard of care in all of their recommendations. This has important implications for investors, and we believe every investor should understand this issue before working with a financial professional. The “Fiduciary Principles” page discusses this issue in more detail.
We are held to a different standard of care than many other financial professionals, and we believe investors should understand the difference.
There are various standards that govern how financial professionals may work with their clients. For example, some professionals are held to a fiduciary standard whereas others are not. As fee-only investment advisors, we are held to a fiduciary standard in all of our investment recommendations.
A more thorough discussion of this topic can be found at The Institute for the Fiduciary Standard’s website. Please see thefiduciaryinstitute.org for more information.
We believe investors should understand all of the investment-related costs they bear, as well as how different types of financial professionals are paid. There are typically three compensation methods:
Fee-only investment advisor representatives. Our clients pay us an advisory fee which we detail in our quarterly portfolio update letters. Neither Lotusment Advisors nor any of its personnel receive any other forms of compensation from any other financial industry activities. We are required to follow fiduciary principles at all times.
Fees and commissions (“dually-registered” representatives). Some financial professionals wear many hats including investment advisor representative, broker, and/or life insurance agent. They may receive both fee and commission income. Some of their recommendations may be covered by the fiduciary standard and some may not.
Commission-only brokers, securities representatives, life insurance agents, etc. These financial professionals are commissioned salespersons. Many of the investment products they may sell, such as annuities and mutual funds, have an imbedded expense from which they derive their commission.
We believe fee-only compensation promotes transparency. It also eliminates a conflict of interest inherent in commission-based investment recommendations.
Lotusment directly or indirectly uses the following custodians:
Charles Schwab
Interactive Brokers
Fidelity Investments
TD Ameritrade
Pershing Advisor Solutions
Staying connected to all of our clients is a priority at Lotusment Advisors. We contact each of our advisory clients at least annually to review their portfolio in light of potential changes to their financial situation or investment objectives. We encourage clients to contact us at any time if they have any questions about their investments.