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Portfolio Management for Trustees and Fiduciaries

Epsilon Financial Group offers expertise and guidance to help a fiduciary fulfill the sacred trust to clients while managing the professional risk arising in their practice.

Fiduciary Responsibility

Your role as a professional fiduciary covers many areas and requires expertise in many fields, including the advanced principles and tools of prudent investing.

You have obligations to beneficiaries, to the court and to yourself. In today’s litigious atmosphere you have significant legal exposure as well. Following established fiduciary standards and methods will help you manage investment risk for clients while reducing your own professional liability.

You are now required to implement an ongoing investment process that is more complex, sophisticated and demanding than under prior law. It is not enough to deliver good investment results. Indeed, the quality of the result may be in the eye of the beholder. You must justify your decisions according to the rules of fiduciary prudence.

This duty extends beyond a knowledge of Modern Portfolio Theory, or portfolio diversification, or investment manager selection. Fiduciary prudence is satisfied by incorporating the legal standards of care into an investment management process. It’s not enough to know the law. You must apply the law through fundamentally sound investment decisions. Balancing these efforts takes knowledge and resources.

The principals of Epsilon Financial Group are investment fiduciary experts and experienced investment advisors. We are uniquely qualified to help you apply the standards of fiduciary care in portfolio design and investment management.

An investment fiduciary manages property for the benefit of another, exercises discretionary authority over assets or controls investments outright, or renders comprehensive and continuous investment advice for a trust or other entity. The sources that define fiduciary responsibility are extensive and include, among other, the probate code, the Uniform Prudent Investor Act, the American Law Institute Restatement Third of the Law on Trusts and Prudent Investor Rule.


Benefits to Your Fiduciary Practice

A comprehensive and objective investment decision making process leads to greater financial organization, empowerment, confidence, fulfillment of duties, better results and ultimately, peace of mind for the fiduciary who uses a prudent process.


We can help you:

  • Establish written evidence of stewardship.
  • Improve communications between all parties through meetings with minutes and written reports.
  • Document investment practices.
  • Discover investment or procedural risks not previously identified or understood.
  • Uncover procedural omissions or shortcomings – and prioritize investment management projects.
  • Determine whether applicable “Safe Harbor” provisions have been satisfied.
  • Incorporate prudent fiduciary practices that may increase long-term investment performance. These may include
  • Reducing fees across the entire investment management program.
  • Aiding in the selection of more appropriate managers.
  • Terminating inappropriate managers.
  • Provide an excellent educational forum to assure that all involved parties are familiar with their duties and responsibilities.
  • Identify more appropriate fiduciary procedures, pricing venues and investment vehicles to better manage an increasing asset base.
  • Compare your practices and procedures to those of your peers.
  • Establish benchmarks to help measure the progress of an investment committee or consultant.
  • Use a prudent process to negotiate a lower premium for Errors & Omissions ( E&O ) insurance coverage.

    We are Independent, Fee-Only Advisors

Just as you want your other professional advisors (accountants, attorneys, physicians, etc.) to advise based on what they know to be best for you rather than what pays the highest commission or fee, Epsilon Financial Group only receives compensation through advice fees our clients pay us directly. We do not use investment tools that pay commissions or other forms of compensation. We do not have any conflicts of interest impacting the advice we give regarding your financial goals and investment management needs. We fully disclose our fees in the initial documentation we prepare and with each subsequent reporting cycle. Only through this form of compensation can you be sure your advisor keeps your best interest at the forefront of all recommendations and decision making.

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