Dimensional Fund Advisors (DFA) Mutual Fund Family named magazine!
Ruedi Holder and Associates, Inc is a leading Investment Advisory firm. Our firm’s principals, and are dedicated to providing clients with an innovative financial planning process that is not only reliable, but is focused on stress testing and monitoring each client’s plan so that market changes are not as likely to effect the financial plan. For clients, this creates greater confidence, comfort and peace of mind that the goals and aspirations for their lifetime will be realized.
Because we are Investment Advisors, we are mandated by law to conduct our practice with high standards of ﬁduciary care. For you, this means your best interests must come before that of our advisors or our ﬁrm’s.
We are unlike brokers or agents, who are governed by lower standards, and whose responsibility is to their ﬁrm or employer. Consequently, we don’t sell ﬁnancial products, packages or promotions which are sold with commissions to the agent.
Ruedi Holder utilizes asset class index or index-like funds because they have historically outperformed the vast majority of actively managed funds over time. Moreover, we feel that our job as financial advisors is to confidently achieve investors’ financial goals. When looking at it from this perspective, we think the evidence argues that passive (asset class) management can control uncertainty better than active management.
The nature of markets is complicated and there is a great deal of uncertainty in attempting to model the nature of the markets overall. Adding additional uncertainty to this equation cannot, by definition, increase confidence and can only increase uncertainty. Actively managed mutual funds represent an additional amount of potential error and uncertainty when added to our capital market assumptions since adding another variable (the potential to under or outperform) does nothing to increase the certainty, and in fact can only increase uncertainty
Our financial planning services are fee based, and our plans are designed individually and specifically for you. Ruedi Holder is Champaign-Urbana’s largest financial planning firm that exclusively builds portfolios using asset class mutual funds.