Wealth Management
Whether you are concerned with managing your retirement, or are just starting to accumulate wealth, Yardley
Wealth Management is prepared to help you identify and meet your needs for the future. We will work with you to
clarify your goals and dreams. We will review your Cash Flow, Insurance, Income Tax, Investments, Retirement
Planning, College Funding, Estate Planning, and other concerns, and provide you with a specific, detailed written
action plan and Investment Policy Statement individually tailored to your needs.
The Yardley Wealth Management Process
Once we devise your plan, we will build an investment portfolio around your stated goals and your written
Investment Policy Statement. We will use an array of mutual funds, including those from Dimensional Fund
Advisors and Vanguard, and iShares Exchange-Traded Funds (ETFs) from Barclays. We will continually review
your investment portfolio and will ask you to keep us updated on the changes in your life, to ensure that your plan
and your portfolio stay aligned with your needs and goals.
Since we are independent, and fee-only, we have no products to sell you except our advice. That means if you do
need a financial product, like a mortgage or insurance, we can guide you through your purchase decision, and act as
your advocate to help make sure you buy the right product for your needs. We will not try to sell any products to
you, and never have a financial interest in doing so. We never pay or receive referral fees, and we never make
commissions. Never. Our only revenues are fees paid by our clients.
We will work closely with your other advisors as needed, like your CPA, your attorney, or your insurance agent, to
make sure that everyone is on the same page, and working to pursue your interests.
A Sensible Philosophy About Mutual Funds
Like Dimensional Fund Advisors (DFA), we believe that over time a structured investment approach based on
financial science and the efficacy of capital markets will add value with a higher reliability and confidence level than
one based on instinct and trying to guess the direction of the markets. We use DFA funds because we agree with
their philosophy of adhering strictly to specific parameters to maintain reliable asset class exposures. Their portfolio
managers have no discretion to purchase stocks that do not meet these parameters, and no financial incentive exists
for them to deviate from their very specific disciplines.
Because Dimensional focuses on capturing the systematic performance of broad market dimensions rather than the
random fluctuations of individual securities, they can keep costs low, patiently and expertly. They concentrate on
favorable price execution that neutralizes the effects of momentum and index reconstitution and they maintain
portfolio-specific hold ranges that reduce turnover and trading costs.
In line with their structured, scientific approach to investing, Dimensional's investment management fees are
positioned well below those of typical, traditional active managers. Their patient and price-conscious buy-and-hold
approach to trading is designed to minimize costs.
DFA funds are not available to most advisors or to retail investors at all. They are only available to a select few
investment advisors that meet their criteria. We are honored to be one of those elite advisors, and we proudly use
their funds.
The Independence You Deserve
As an independent, fee-only wealth management firm, Yardley Wealth Management is positioned to tailor
investment and wealth management strategies solely around your unique objectives. We work for you - not a bank,
brokerage firm or insurance company. With no products to sell, commissions to attain, or quotas to meet, you can
be sure that every piece of advice you receive is in your interests. We are fiduciaries held to the principle that your
goals and interests must come first—and drive your wealth management process.
Value-Added Service
Yardley Wealth Management will be there for you when you need us. Managing Member Michael Garry is directly
available for your financial concerns and questions, and will keep you up-to-date on the latest financial and market
news with e-mails of interest, and he can call you and meet with you regularly. As your Wealth Manager, Michael
will become keenly aware of your needs. He welcomes your inquiries and looks forward to working closely with
you to achieve your goals.
Getting Estate Planning Done—Effectively
Yardley Wealth Management is also qualified to help you with Estate Planning. While most financial advisors refer
you to outside attorneys for your Estate Planning needs, the Managing Member of Yardley Wealth Management,
LLC, Michael Garry is also a licensed attorney, admitted to practice in Pennsylvania and New Jersey, and through
his law firm, Yardley Estate Planning, LLC, he provides estate planning services.
That may be a real advantage to you because creating an estate plan that is integrated with your financial plan and
that is implemented on a timely basis may be easier and accomplished more cost-effectively. Through the law firm,
clients can save the time, inconvenience, and anxiety of interviewing prospective attorneys, and the duplicative effort
of explaining to their new attorney about their financial situation and goals. In today’s busy world, by saving our
clients the time and effort of finding and working with an additional professional, we add real value to our clients and
we can be sure that our clients’ wealth management and estate plans are fully integrated, to provide better overall
advice and service for our clients.
Michael only practices law in Pennsylvania and New Jersey, and of course, legal fees are separate from, and in
addition to, any fees for investment advisory services or wealth management. Please contact us to find out more
about those services, and visit the Yardley Estate Planning, LLC website: www.yardleyestate.net.
©2010 Yardley Wealth Management, LLC. All rights reserved.
Whether you are concerned with managing your retirement, or are just starting to accumulate wealth, Yardley
Wealth Management is prepared to help you identify and meet your needs for the future. We will work with you to
clarify your goals and dreams. We will review your Cash Flow, Insurance, Income Tax, Investments, Retirement
Planning, College Funding, Estate Planning, and other concerns, and provide you with a specific, detailed written
action plan and Investment Policy Statement individually tailored to your needs.
The Yardley Wealth Management Process
Once we devise your plan, we will build an investment portfolio around your stated goals and your written
Investment Policy Statement. We will use an array of mutual funds, including those from Dimensional Fund
Advisors and Vanguard, and iShares Exchange-Traded Funds (ETFs) from Barclays. We will continually review
your investment portfolio and will ask you to keep us updated on the changes in your life, to ensure that your plan
and your portfolio stay aligned with your needs and goals.
Since we are independent, and fee-only, we have no products to sell you except our advice. That means if you do
need a financial product, like a mortgage or insurance, we can guide you through your purchase decision, and act as
your advocate to help make sure you buy the right product for your needs. We will not try to sell any products to
you, and never have a financial interest in doing so. We never pay or receive referral fees, and we never make
commissions. Never. Our only revenues are fees paid by our clients.
We will work closely with your other advisors as needed, like your CPA, your attorney, or your insurance agent, to
make sure that everyone is on the same page, and working to pursue your interests.
A Sensible Philosophy About Mutual Funds
Like Dimensional Fund Advisors (DFA), we believe that over time a structured investment approach based on
financial science and the efficacy of capital markets will add value with a higher reliability and confidence level than
one based on instinct and trying to guess the direction of the markets. We use DFA funds because we agree with
their philosophy of adhering strictly to specific parameters to maintain reliable asset class exposures. Their portfolio
managers have no discretion to purchase stocks that do not meet these parameters, and no financial incentive exists
for them to deviate from their very specific disciplines.
Because Dimensional focuses on capturing the systematic performance of broad market dimensions rather than the
random fluctuations of individual securities, they can keep costs low, patiently and expertly. They concentrate on
favorable price execution that neutralizes the effects of momentum and index reconstitution and they maintain
portfolio-specific hold ranges that reduce turnover and trading costs.
In line with their structured, scientific approach to investing, Dimensional's investment management fees are
positioned well below those of typical, traditional active managers. Their patient and price-conscious buy-and-hold
approach to trading is designed to minimize costs.
DFA funds are not available to most advisors or to retail investors at all. They are only available to a select few
investment advisors that meet their criteria. We are honored to be one of those elite advisors, and we proudly use
their funds.
The Independence You Deserve
As an independent, fee-only wealth management firm, Yardley Wealth Management is positioned to tailor
investment and wealth management strategies solely around your unique objectives. We work for you - not a bank,
brokerage firm or insurance company. With no products to sell, commissions to attain, or quotas to meet, you can
be sure that every piece of advice you receive is in your interests. We are fiduciaries held to the principle that your
goals and interests must come first—and drive your wealth management process.
Value-Added Service
Yardley Wealth Management will be there for you when you need us. Managing Member Michael Garry is directly
available for your financial concerns and questions, and will keep you up-to-date on the latest financial and market
news with e-mails of interest, and he can call you and meet with you regularly. As your Wealth Manager, Michael
will become keenly aware of your needs. He welcomes your inquiries and looks forward to working closely with
you to achieve your goals.
Getting Estate Planning Done—Effectively
Yardley Wealth Management is also qualified to help you with Estate Planning. While most financial advisors refer
you to outside attorneys for your Estate Planning needs, the Managing Member of Yardley Wealth Management,
LLC, Michael Garry is also a licensed attorney, admitted to practice in Pennsylvania and New Jersey, and through
his law firm, Yardley Estate Planning, LLC, he provides estate planning services.
That may be a real advantage to you because creating an estate plan that is integrated with your financial plan and
that is implemented on a timely basis may be easier and accomplished more cost-effectively. Through the law firm,
clients can save the time, inconvenience, and anxiety of interviewing prospective attorneys, and the duplicative effort
of explaining to their new attorney about their financial situation and goals. In today’s busy world, by saving our
clients the time and effort of finding and working with an additional professional, we add real value to our clients and
we can be sure that our clients’ wealth management and estate plans are fully integrated, to provide better overall
advice and service for our clients.
Michael only practices law in Pennsylvania and New Jersey, and of course, legal fees are separate from, and in
addition to, any fees for investment advisory services or wealth management. Please contact us to find out more
about those services, and visit the Yardley Estate Planning, LLC website: www.yardleyestate.net.
©2010 Yardley Wealth Management, LLC. All rights reserved.
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Michael J. Garry, CFP®, JD/MBA, owner of Yardley Wealth Management, LLC,
is an independent Financial Advisor who provides Fee-Only financial planning
services and investment management in Newtown, PA.
is an independent Financial Advisor who provides Fee-Only financial planning
services and investment management in Newtown, PA.
| Address: 41 University Drive Suite 400, Newtown, PA 1894 Phone: 267-573-1019 Toll free: 877-251-4393 Fax: 267-604-9164 mgarry@yardleywealth.net |