We Are Merit

At Merit Financial Advisors, we offer a structured tiered fee approach that aligns with the value of your assets under our management. Our fees are based on a sliding scale, with lower rates applied as your portfolio grows, providing a cost-effective way to benefit from our services as your assets increase.

We believe that communication is crucial for a successful client-advisor relationship. At Merit Financial Advisors, you will have regular and open access to your advisor. Whether you prefer scheduled in-person meetings, virtual consultations, phone calls, or email communications, we will accommodate your needs. Our advisors are dedicated to providing timely responses and proactive updates about your financial plan and portfolio performance. You’ll have a direct line of communication with your advisor, allowing you to reach out whenever questions or concerns arise.

Yes, we can assist with charitable giving and philanthropic planning to help you achieve your philanthropic goals while maximizing tax benefits. At Merit Financial Advisors, we’ll work closely with you to create a charitable giving strategy that aligns with your values and financial objectives. Whether you're considering establishing a donor-advised fund, setting up charitable trusts, or making direct contributions, we can guide you through the available options.

We have an investment philosophy based on six key principles which help guide our actions and distinguish us from other firms:

1. Independent - In order to provide our clients with the highest quality investment advice, we must stay completely independent.
2. Diversify Our Investments - Building wealth by being concentrated. Preserving wealth by being diversified. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
3. Invest with Goals in Mind - Investment choices should be made based on the intended goals of a portfolio and not based on the over/underperformance of a market benchmark.
4. Invest with a Margin of Preservation - In order to potentially limit the downside risk, minimize or eliminate investments where little to no margin of preservation exists.
5. Invest with Flexibility - A good investment process should allow for flexibility to adapt as the investment landscape changes.
6. Invest with Humility - Invest with the understanding that future events cannot be predicted with certainty. Investing with arrogance leads to failure.