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Madrone Investment Advisory, LLC          

         Thank you for visiting Madrone Investment Advisory, LLC.  For the past ten years, we have helped our clients reach their financial goals by integrating investment management with financial planning in the areas of tax, estate, social security, and retirement planning  in an integrated, cost-effective manner.  Our approach is based on the following three principles..

       All  investment and financial advice must be objective, and in the clients best interest.  Despite the obvious benefits of receiving investment advice that is in the client's best interest (the "fiduciary"  standard) nearly 90% of investors still  recieve advice under a "broker"  standard, where the financial advisor has no legal obligation to act in the client's best interest.  As a result, many investors purchase mutual funds that have underlying fees that are many times more expensive than comparable low-cost funds,  or puyrchase high-commission "alternative investments", or otherwise complex financial products whose high fees will invariably have a detrimental impact on one's long-term investment returns.  We  act as fiduciaries at all times.

       Investment management and related fees can often eliminate more wealth than such fees can reasonably be expected to create.  Many investors often unknowingly  pay as much as two or three percent in total advisory and investment fees, which are likely to reduce the investor's long-term returns by as much as sixty percent of everything the investor would have earned over the long term.  For example, one who invests $500,000 for twenty years and earns seven percent annually will see that account grow to $2.5M, while another investor who earns five percent will see that account grow to $1.5M - a difference of one million dollars, or about half of the investor's total returns.

       Rather than base fees on a percentage of the client's investments, or "recommend" that the client purchase mutual funds or other products on which we will earn a commission,  we bill our clients based on a flat annual dollar-based retainer fee which average about 0.40% of the assets we are managing.   A flat annual dollar-based fee also avoids many of the conflicts of interest of the percentage-based fee.  Our clients expect us, and pay us, to provide expert and objective advice on many financial issues large and small, and they expect that such advice will be given with no regard for any financial interests we may have.  And that is as it should be.

        Investment success is not just a matter of simply picking investments  - it is also determined by providing appropriate advice in areas such as tax, retirement, and general financial planning.  Advice in areas such as tax, retirement, estate, and Social Security planning  is often where clients can obtain real finanical benefits, for it is the after-tax returns that matter most.  For example, how should investments be allocated among taxable, IRA, Roth, HSA, or section 529 education savings accounts, and in what order of priority should the client be contributing to those different accounts in order to minizmize taxes in both the short and the long terms?  In what order should one's investment accounts be drawn down in retirement?  When should capital gains be realized, or Roth conversions considered?   Should Social Security benefits be delayed - or, in some cases, taken early?   Taken together, smart financial planning decisions, evaluated - and reevaluated -  on an ongoing basis, will often provide investors with as much or more value as sound investment management will.

       If you are interested in seeing how we might provide you with fiduciary-based  investment management services, fees that are usually cost-effective, and a comprehensive approach to tax, retirement, and financial planning, please contact  us at your convenience.

To find out if we can be of service to you, please click here.

 

Madrone Investment Advisory, LLC, is a California Registered Investment Advisor based in San Rafael, Ca., which provides investment management and financial planning services to individuals and families as well as for 401(k) small business owners.   As of January 1, 2019, Madrone Investment Advisory had $85.5M in assets under management.

Michael Zaidlin, J.D.,  is a graduate of the University of San Francisco School of Law and brings an extensive background in tax and estate planning to the practice of investment management as well as to financial and retirement planning.  He speaks frequently to professional groups on a variety of investment, tax, Social Security, and retirement planning issues.  If your group is interested in having Michael speak, please contact his office to arrange a speaking engagement.

Recent speaking engagements:

April 24, 2019 - Whistletop Financiak Planning Series, San Rafael, Ca.

July 25, 2018 - Whistlestop Financiial Planning Series, San Rafael, Ca.

March 28, 2018 - Whistlestop Finacial Planning Series, San Rafael, Ca.

March16, 2017 - Marin County Bar Association - Family Law Section

December 7, 2016 - Californa Association of Certified Public Accountants - San Francisco Chapter.

November 4, 2016 - East Bay Trusts and Estates Lawyers - Annual Convention

October 18, 2016 - Marin County Bar Association - Family Law Section

March 8, 2016 - San Francisco Bar Association - Estate and Trusts Section

January 21, 2016 - Marin County Section on Aging.

January 6, 2016 - Sonoma Conty Estate Planning Council.

November 11, 2015 - Marin County Estate Planning Council. 

April 15, 2015 - Marin County Bar Association - Estate Planning Section.

 

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