The bitterness of poor quality

remains long after the sweetness of low price is forgotten.

As a financial advisor, it can be difficult to ascertain the true cost of the numerous products available on the market. At times layers of disclosures are often used to distract from what the product is offering. At Potomac, we don’t pretend to be the lowest-cost provider because cheaper is not always better, it’s just cheaper. However, when it comes to pricing, we strongly believe in making the following commitments:

  • Full fee transparency.
  • We only get paid by our clients! There are no backdoor deals with product providers or proprietary mutual funds.
  • Our performance is always reported net of the highest money management fee we charge.
  • Our entire fee schedule and related language is fully disclosed on our Form ADV Part 2A, so please make sure you read this before investing.

When it comes to selecting investments, we select mutual funds in the best interest of your clients, based on their selected strategy. Sometimes that can mean an expensive, unique and eclectic mutual fund, while other times it could simply be a low-fee index fund. Different markets will require different tools. A Yugo is inexpensive, but isn't going to do you any good driving up a snowy mountain.

Explore the Hidden Risks of Passive Investing


Are our fees high? That answer depends on your clients’ situation. If your client is an aggressive investor with a long-term horizon, then yes, our fees are likely high because they may be better off holding a low-fee index fund, assuming they can handle the risk. If your client is a conservative to moderate investor looking for downside risk management, then they may want to pay a little bit more for unconstrained tactical management.
Our style requires constant monitoring of market conditions and testing of our systems. This isn't a “set it and forget it” type of investment philosophy, and therefore it justifies a premium price.

Management Fee


Due to the negotiable referral annual solicitor fee, an investor's total annual fee will be more or less than advisors’ other investors receiving the same or similar services from advisor.