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Our job is to help you make the right decisions, not to empower your emotions. We are more committed to your lifetime financial security than to your short-term psychological comfort.
At the end of the day, it is always your money and your decision, but we will not be silent if we believe you are about to make a mistake that may have permanent consequences.
Communication is key to everything we do. We always want to know what you are thinking, whether there are any changes in your life, and to share with you the reasons behind our strategies.
*Please Note: Limitations. The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific requests and needs of the client. TGS Financial Advisors does not serve as an attorney, accountant, or insurance agent. TGS Financial Advisors does not prepare legal documents or tax returns, nor does it sell insurance products.
We are available to work closely with our clients’ other professional advisors: attorneys, accountants, insurance agents and trust officers.
Building and protecting wealth requires complex planning. We are available to collaborate with your attorney and your accountant to help ensure that your tax and estate planning strategies are in line with your financial plan. Our reporting to you includes metrics and graphics that make the complex understandable.
“Everything should be as simple as possible, but no simpler.” -Albert Einstein
As a fee-only advisory firm, all of our compensation comes from fully-disclosed planning and investment advisory fees. We do not take commissions on the sale of financial products—ever. Our interests are aligned with yours, and our success depends on your success. If your portfolio increases in value, so does our income. More important, if your portfolio declines in value, our income also declines.
Under the Investment Advisors Act of 1940, we must adhere to a fiduciary standard in all our relationships with our clients. This requires us to put our clients’ interests before our own, to fully disclose any conflicts of interest, and to adhere to a “prudent expert” standard of care. We fully embrace the Fiduciary Oath.
Does your advisor adhere to a fiduciary standard?
Markets go to extremes, then return to balance. Such extremes create risks and opportunities. As contrarian investors, we flow money against the crowd and toward low prices and the highest potential returns. When investors panic and other advisors are selling, TGS will be buying.
*Please Also Note: Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by TGS Financial Advisors) or any planning or consulting services, will be profitable, equal any historical performance level(s), or prove successful.
Our founders, Jim Hemphill and David Burd, both started work for large national stock brokerage firms in the 1970s. By the late 1980s, they’d had enough of the conflict between what they thought was best for their clients and the sales quotas and expectations of their wire house employers.
In 1990, Jim and David created TGS Financial Advisors, an independent advisory firm. In 1993, we began to change our compensation model from commissions to fees. In 1999, we started managing investment portfolios on a discretionary basis. In 2008, we surrendered the brokerage licenses we had held since 1978, and eliminated all commission-based compensation. Today we are a fee-only Registered Investment Advisory firm.
We have no sales quotas. We sell no proprietary products. Nobody tells us what to do. Our complete focus is on making the best decisions we can for every one of our clients.
Who is your advisor really working for?
TGS team members are involved in helping charitable organizations throughout Greater Philadelphia:
