S. R. Schill & Associates
2448 - 76th Ave SE
Suite 208
Mercer Island, WA 98040
Who We Are
S. R. Schill & Associates is a Fee-only, client-oriented financial planning and investment firm. We are a family-run business that provides a full range of wealth one relationships. Our services include all aspects of acquiring wealth, maintaining and managing that wealth, distributing it to heirs or charitable causes, financing/debt decisions, business succession planning, and protecting you and your loved ones against financial disasters. Whatever financial questions may arise as your circumstances may change, as your personal financial advisor, we’ll be right there with you to work through the issues.
Our firm came into existence over 20 years ago founded on the principle that investment decisions should be based on only one thing—what is best for the client. We eliminate the conflicts of interest found elsewhere in the financial services industry. As an independent firm, we can choose from the entire universe of investment options and our fees are based only on your account value, not on the number of client transactions.
What Makes Us Different
No Conflicts of Interest
We have eliminated any potential conflicts of interest that might get in the way of our providing impartial advice. Often, brokerage firms use financial planning services to increase sales of their financial products. Our only incentive for recommending a product is that it is right for you. We do not sell insurance or specific investment products, and we receive no commission on those products that we recommend. If a company pays us a commission for recommending their product, we pass that commission on to the client in full.
Personal Relationships
Our clients know us and we know them. We take the time to get to personally know our clients and their needs. You will never be asked for your account number—you are a name and a face to us. We appreciate the trust that our clients place in us and we have built cherished relationships with them by being honest and forthright and working in their best interest. Most of our new clients come from satisfied clients recommending us to their family and friends.
We Practice What We Preach
Every member of S. R. Schill & Associates is also a client. The analysis, investment choices, and principles that we use to invest your money are the exact same ones that we use to invest our own, so you know that we truly believe in our investment philosophy.
Our Approach
Low Cost
We use Exchange Traded Funds (ETFs) to provide portfolio diversification and competitive returns while reducing your costs. ETFs are basically low-cost mutual funds that can be bought and sold like stocks.
Tax Efficient
Our approach helps to keep your taxes low. Coupling the tax advantages of ETFs with our tax-efficient management of your account allows you to avoid the unrealized capital gains tax liability embedded in mutual funds. You’ll retain control over the timing and manner of harvesting gains and losses so as to realize them when it is most advantageous to do so.
Diversification to Reduce Risk
We do not believe in timing the market, but invest with a long-term approach. To reduce risk, we diversify all of our clients across nine market sectors, including long, short, and intermediate term bonds; US stocks; international stocks; real estate; natural resource; and cash.
Tactical Asset Management
We regularly analyze the fundamentals of the various sectors to emphasize those that we expect to do well and de-emphasize those that we expect to lag. Combining this market sector analysis with the discipline of professional management works to produce long-term results.
Coordinated Advice and Implementation
Often individuals and families receive professional advice from many sources. That leaves them with the daunting task of trying to make each piece fit into one seamless whole. We can help make sense of the chaos, serving as a one-stop shop for financial advice and helping to coordinate the accountants, lawyers, insurance brokers, mortgage brokers, and all of the other financial professionals a client may be using.
Experience and Research
Our principals have over 80 years of experience in the financial services industry and we utilize the best quantitative and qualitative tools in our economic and market analysis. Our staff comprises advisors with CFP, CIMA, and MBA designations.
Keep It Simple
There is only one fee, and it is based on a percentage of the assets in your portfolio under our management.
For Portfolio Valuation: Your Account Fee is:
On the first $1,000,000 1.450%
$1,000,000 - $5,000,000 1.075%
Over $5,000,000 0.700%
That's it. All management, analysis, financial planning/advising, and account maintenance is included and we charge no additional, hidden costs or fees. We pay all commissions and transaction fees. For one efficient fee you get it all…
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Complete financial planning and advisory services
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Reviews and updates to your plan on at least an annual basis
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All trading costs and commissions
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Investment search, selection, and supervision
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Asset custody costs
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Strategic asset allocation as applied to each clients objectives, risk profile, and time horizon
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Performance monitoring
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Tactical asset allocation
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Monthly and quarterly reporting
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Annual tax reporting
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Account access via the Internet twenty-four hours a day
Please be aware that S. R. Schill & Associates has a portfolio minimum of $250,000 to accept inquiries through this directory.
