Patient, disciplined investing based upon a well-defined plan is the key to long term success.

Are you heading toward success or disaster?

Investors make terrible mistakes when their decisions are driven by emotions, whether in up or down markets. We believe it is important that and investor keeps her wits about her when everyone else has lost theirs. Following a goal oriented, plan-based investment approach will help you maintain the discipline necessary to avoid making poor, emotion-driven decisions particularly in volatile economic times.

 A plan will help you:

• Define the challenges ahead;

• Formulate a budget and timetable;

• Benchmark and monitor progress toward your goals;

• Identify potential challenges to make timely adjustments to your plan to keep you on target;

• Stick to a course of action;

• Achieve peace of mind.

Defining the goal is the first step.

You must define your goals and priorities - what you want to see happen - whether growing savings for retirement, managing retirement income and savings, or putting together a college saving plan.

A plan is the roadmap toward achieving your goals.

Once the goals are established, we will help plan the 'how' to achieving them. We start by determining where you are now by reviewing with you your assets, investments, income, and expenses. Then we will formulate a plan to get you from “here” to your “there.”

With a plan set, we will consider with you a variety of investment alternatives and design a portfolio that is risk appropriate for you. Whether stocks, bonds, mutual funds, exchange traded funds, or other types of investments, we will advise you which options best align with your plan and goals.

Periodic reviews help keep you on track over time.

Once implemented, we will monitor the plan with you on a regular basis to make sure you stay on track and make periodic adjustments when necessary to maintain progress toward your goals.

Blackheath Capital Management is a fee-only financial planning and investment advisory firm and assumes a fiduciary role for clients.

Suppose you are considering two financial products, most financial advisors could recommend to you the one that pays them a higher commission — even if it is not the better one for you. Importantly, a fiduciary advisor must recommend the product that is best for you and disclose any potential conflicts of interest.

Third Party Custody of Client Funds

You keep your assets. Blackheath Capital Management doesn’t take custody of client assets. Your account is titled in your name with Schwab Institutional as third party custodian. You give Blackheath a limited power of attorney to enter buy and sell orders, that’s it. We never takes possession of client funds and all investment activity takes place through Schwab Institutional.

Did you know?

There are 310,000 financial advisors in the US
Less than 10% of advisors are required to follow the fiduciary standard — a rule that legally requires financial advisors to act in your best interest.

Not all fiduciary advisors are equal
Approximately 31,000 advisors act as fiduciaries, but many of these financial advisors are dually registered or “fee-based” (not “fee-only”) — meaning they can act as both a broker and a fiduciary. Legally, they don’t have to tell you of their dual status or whether they’re acting as a fiduciary or a broker when working with you.

5,000 Fiduciary Fee-Only Advisors
The good news is you've found Blackheath Capital Management, a “fee-only” investment advisory firm that assumes a fiduciary role for clients. We don’t take kickbacks and we don’t receive commissions from investments made for our clients. Our fees are 100% transparent and you'll be confident that we’re looking out for your interests first.