About us
YFE Investor Coach™ is a registered investment adviser with the State of Illinois Securities Department. We are a small independent boutique investment advisory specializing in institutional investment advisory services and investor coaching services. We consult with small business clients in the areas of fiduciary risk management and mitigation, defined benefit and defined contribution retirement plans, non-qualified plans, executive compensation, and charitable giving, and with individuals on retirement and estate planning. Cozy Whittington is the founder and principal owner of YFE Investor Coach™, which is commonly referred to as YFE™. Mr Whittington is an insurance agent, a tax professional and the owner of a
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is a small boutique investment advisory firm specializing in institutional investment advisory services and investor
coaching services. We consult with clients in the areas of fiduciary risk management and mitigation, defined benefit
and defined contribution retirement plans, non-qualified plans, executive compensation, estate planning, and charitable college counseling company. All insurance related activities are conducted under the name of College Funding Advisers.™
We use a proprietary methodology in our practice called Your Family Endowment™ (or YFE, that's how we got our name), which creates a personal economy based on the family unit, which is less affected by the ups and downs of the global economy. Born out of the ashes of traditional financial wisdom, YFE is based on two of the most powerful financial tools known to man, dollar cost averaging and compound interest. What's unique about Your Family Endowment™ is the way we use these tools to create wealth.
In addition to Your Family Endowment™, we developed a strategy called Leveraged Funding™, used in many of the services we offer. To further our goal in offering only best-of-breed services to our clients, we make a concerted effort to work with teams of outside experts—such as private client attorney firms, trust companies, and financial technology specialists to deliver comprehensive wealth management to investors. We also may use many of the same products and services offered by other financial advisers with the difference being, we maintain our independence from the "big name" financial firms. We may offer their products and services but we do so only when it is in the best interest of our clients and it is the best-of -breed offering available. And of course, in our search for best-of breed services we have incorporated patented and/or proprietary methodologies in our practice developed by some of the world's most elite financial advisers on the planet. Dedicated to your financial success these unique offerings combined with conservative and traditional financial products give our clients access to wealth creation opportunities not commonly available to the general public. We and our elite affiliated advisers instill confidence by implementing scientifically established financial methods and strategies via state-of-the-art technology.
As a boutique investment advisory offering separately managed accounts (SMAs), our clients enjoy the benefits that were previously only reserved for multi-million dollar investors. SMA's are one of the best-kept secrets in the financial industry. SMA's are less expensive than hedge funds and offer potentially higher, safer returns than traditional mutual funds. Our clients know what they own and how much they are charged for investment management. Online reporting shows clients which stocks they own 24 hours a day. Mutual fund owners can only see the stocks that are owned within their mutual funds 90 days after the end of each quarter. We pride ourselves on providing investors timely information in the clearest format available, with the greatest transparency possible. Investors with us pay a single, all-inclusive fee for asset allocation design, portfolio monitoring, rebalancing, commissions, and reporting. Mutual funds often charge a dazzling array of fees! The list of fees mutual funds have concocted is as impressive as it is depressing.
We are in the business of offering on-going investor coaching advisory services, investment advice, and access to institutional money managers, exclusive of brokerage, execution, and custodial services. Advice concerning the selection of institutional money managers is our core business.
YFE™ offers the following Advisory Services which are personalized for each client’s need:
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Investor Coaching Advisory Services
As an investor coach, YFE™ helps you identify your investment attitude and philosophy, develop and understand your investment strategy, and help you keep your investment decisions and behavior on track to achieve the results you want. We offer investor coaching and advice to individuals, high net worth individuals, pension and profit-sharing plans, charitable organizations, and corporations.
YFE™ offers investor coaching in the following ways:
1.) On-going investor coaching for clients with a signed YFE recommended money manager agreement.
2.) Fixed fee investor coaching for clients without a signed YFE recommended money manager agreement that may schedule investor coaching on a periodic basis or on an as needed basis.
We offer an on-going investor coaching relationship as part of our advisory services for clients who have selected an YFE recommended institutional money manager. YFE refers to this service as “Investor Coaching Advisory Services.” This service is offered every 6 months for clients with a signed YFE recommended money manager agreement.
YFE™ offers on-going Investor Coaching Advisory Services to help you develop greater peace of mind and confidence in your decisions and behavior regarding your investments. YFE™ has reasonable belief that the more knowledge you gain about investment strategy and the more you understand your investment attitude and philosophy, the easier it is for you to keep on track to achieve the results you want.
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YFE™ offers investment advice during client consultations. We discuss goals and objectives and the current status of your financial situation. You will complete a data questionnaire and provide information and records concerning your current financial situation, insurance coverage, personal goals, employee benefits, investments, etc. If this is your first visit with an investment adviser or financial planner, we may recommend a comprehensive financial plan.
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Alternatively, we may recommend and you may choose advisory services that focus on a specific area such as college funding, portfolio second opinions, or evaluating the quality and sufficiency of a retirement plan. For example, some specific projects for which a client might engage us include:
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College funding
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Portfolio second opinion
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Tax planning and review
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Retirement planning and review
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Small Business Retirement Plans, 401(k)/Defined Benefit/Cash Balance Plans
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Insurance and employee benefits review
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Estate & Legacy planning and review
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Trusts and other asset protection entities
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Charitable Giving
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Annual review
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Selection of Other Investment Advisers
YFE™ has reasonable belief that most clients would benefit from professional money management. Based on consultations with you, we may recommend the benefits of professional money management advisory services. If you accept our recommendation for professional money management, we may select and monitor money managers registered in the State of Illinois on your behalf. When we do so, the money managers pay us a portion of the fees generated by the referred clients. Through these arrangements, we are paid a referral fee by money managers based upon a percentage of Assets Under Management (AUM), or in other words, "the amount of money being managed by the money manager." You are under no obligation to follow the recommendations of YFE™. The referral of clients to third-party money managers does not increase the amount of advisory fees paid by you to the money manager. In other words, advisory fees paid by you to third-party money managers are not increased as a result of fees paid to YFE™ for the referral.
A major benefit that YFE™ offers clients is access to institutional money managers. The selection of institutional money managers is our core business. As such, YFE actively seeks out prospective clients that may benefit from the services of institutional money managers.
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Why use Separately Managed Accounts?
The wealthy have access to pleasures and opportunities most people can only dream of: mansions, private jets, exclusive clubs, and more. Investing through separately managed accounts used to be part of this exclusive list.
Smart, successful, savvy investors maximize the risk-adjusted returns of their portfolios by globally, keeping costs low, and minimizing taxs. Until now, most investors were unable to accomplish all three simultaneously. But now, investors are getting all three by upgrading with us. Shouldn't you?
Separately Managed Accounts (SMAs) available in six domestic and three international categories provide:
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World-class money management
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Direct ownership of equities
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Tax lot harvesting
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Individual control of cost basis
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Socially-conscious investing
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Security exclusions
Wealthy individuals, family offices, and endowments have used separately managed accounts decades. Now techological innovations allow us to bring the benefits of SMAs to more investors.
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YFE, Your Family Endowment, YFE investor Coach, Leveraged Funding and College Funding Advisers are trademarks of Cozy Whittington.
© 2011 YFE Investor Coach.™ All rights reserved.
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