Our Philosophy

At Flat Fee Portfolios, our philosophy is that investors deserve simplicity, transparency, and fairness from their investment advisors. 

  • Investing should be simple and understandable.  It is of utmost importance for all investors to be educated about factors that significantly impact investing.  We have created a public Investor Resource Center so that all investors can further their knowledge of investing and the costs involved.  In addition, our clients have a dedicated financial advisor who conducts semi-annual* reviews and spends the time answering questions and addressing concerns.
  • Investors should know what they’re paying for investment advice.  Advisory fees should be transparent.  The investor should understand the cost of the advisory fee in real dollars, not in a percentage.
  • Investors should only pay for services they are utilizing.  Financial planning matters and asset management matters but it makes sense to unbundle them.  By separating planning and investment management, the client only pays for the services he or she needs. 
  • Investors should receive advice with minimal conflict.  In order to provide minimal conflicts, we believe that a flat fee relationship is the best arrangement.  In this model, the advisor acts as a fiduciary and the compensation is not tied to any specific product or the amount of investable assets that are held with the advisor.
  • Advisors should only be compensated by their clients.  We believe that a commission-based model where the advisor receives compensation for selling an investment product fosters conflicts of interest.

Mark Cortazzo, CFP®, Founder of Flat Fee Portfolios, considered the challenges above and created Flat Fee Portfolios to address the need for transparent, simple, and fair asset management.

*Clients in the Emerging Investors Program receive annual client reviews.

 
Please read the following important disclosures:

Pricing for accounts under $1,000,000.  The fee for accounts over $1,000,000 is a flat 0.24%.  Call to discuss pricing for endowments, trusts, and institutional accounts.

Flat Fee Portfolios is a dba of MACRO Consulting Group, LLC.

Advisory Services are offered through MACRO Consulting Group, LLC, a registered investment adviser with the Securities and Exchange Commission.  MACRO Consulting Group, LLC only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

TD Ameritrade, Fidelity, Foliofn and LPL Financial are the firms that MACRO Consulting Group, LLC uses to custody our client assets.  TD Ameritrade, Fidelity, Foliofn and LPL Financial and MACRO Consulting Group are separate and unaffiliated firms and are not responsible for each other’s services or policies.  TD Ameritrade, Fidelity, Foliofn and LPL Financial do not endorse or recommend any advisor.

Please review Important Disclosure Information set forth in the last section of this web site. 

Information on this web site is directed toward U.S. residents only.

 

TD Ameritrade, Inc. is the firm that we use to custody our client assets. TD Ameritrade and MACRO Consulting Group are separate and unaffiliated firms, and are not responsible for each other’s services or policies. TD Ameritrade does not endorse or recommend any advisor and the use of the TD Ameritrade logo does not represent the endorsement or recommendation of any advisor. Brokerage services provided by TD Ameritrade Institutional, Division of TD Ameritrade, Inc., member FINRA/SIPC/NFA. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. Used with permission.