At True Link, we use technology to create investment plans based on data and facts. And while computers are great, we think humans play an essential role in managing these plans, understanding nuanced tradeoffs, and providing trusted support.
We hire financial advisors who have demonstrated exceptional ethical conduct in their professional lives. No compromises. Additionally, our advisors are motivated by helping you succeed, not by commissions.
True Link is the leader of a new generation of ethical financial services firms. We built this company because we needed our services for our own families and didn’t trust the options out there. Now we’re here to be a reliable partner to you and your family.
We believe strongly in using technology to develop the most effective solution for your financial needs in retirement. We use an objective, data-driven approach to ensure you get information that’s reliable – not biased or swayed by uninformed opinions.
We know that complexity can get in the way of transparency and understanding. That’s why we’ve worked hard to translate our approach into clear language and to provide you with an online tool that is easy-to-use but not dumbed-down.
At True Link, we believe that a financial advisor who relies on expensive fad products or makes decisions based on ego or intuition just isn’t good enough. The qualities we value are a little different – accountability, honesty, and intelligence with humility.
Our advisors never receive commissions for the services they provide or products they offer. Our goal is to align values and incentives – it just makes sense.
The Department of Labor recently issued a rule requiring retirement investment advisors to “put their clients' best interest before their own profits.” This may be new for some, but not True Link. The fiduciary standard is at the core of who we are and what we do.
With True Link, there are no transaction, account, or annual fees. We charge one simple management fee when you work with our team to implement your plan, and it’s significantly lower than what most traditional financial advisors charge.
True Link Advisors are experienced financial advisors who can implement your investment plan and act as a resource and thought partner over the full course of your retirement.
In implementing your personalized investment plan, an Advisor will:
Conduct a thorough review for suitability, risk, and exposure
Separate out tax-advantaged accounts from other savings and invest those separately, ensuring that you’re meeting payout requirements but taking greatest advantage of the tax-free growth
Adjust the composition of your plan for your income tax bracket and to account for pension and social security income
Review the plan and develop a strategy to migrate over currently-invested assets in a way that balances capital gains concerns
Shop for the best insurance quotes across multiple providers and taking into account cost of living and refundability considerations
Adjust investments, trusts/tax planning, and insurance to address long term care and medical inflation
Purchase and custody the recommended securities
Rebalance periodically to generate income, adjust for changing needs, market conditions, and the passage of time – keeping your portfolio optimized over time for your needs