No-Load Fund Advisor Services                    Private Management Brochure PDF

Are you overlooking the most important ingredient to investing success?

Seventy to eighty percent of whether or not an investor is going to make money depends on the direction of the market not the chosen mutual fund.  Mutual fund returns are at the mercy of the market. So then, why is this all-important consideration overlooked when the bank and brokerage community advise and invest their clients funds?

Here at The No-Load Fund Advisor, NFA we specialize in when to be in or out of the market, Market Timing and allocation between markets (stocks, bonds, gold etc), Fund Switching.  Mutual fund selection in or out of sync with market direction can mean the difference between investor success and failure. When our time tested indicators signal warning lights we move our client's account out of high risk markets to the safety of a money market fund until the risk/reward ratio is once again in our favor.

At NFA we reduce overall market risk by following our proprietary market timing models. We measure market risk on a daily basis and switch to cash when market condition start to deteriorate. Each of our accounts move based on our proprietary market models and asset allocate between bonds, stocks (domestic and international) gold, real estate or other growth oriented funds depending on Fund Targeting(TM) sector's strength or weakness.

Free initial consultation

We offer free initial consultation and retirement planning. For our ohana and visitors on the island of Oahu in Hawaii, we can meet in person.   If you live on the Oahu or plan to visit us some time soon and would like to meet, please concact us; so we can arrange a time.

Portfolios Offered:

We offer portfolios for the most conservative to the highly aggressive mutual fund investor. These portfolios can be used to maximize the client's personal accounts, trust, IRAs and pension plans, including 401K, Keoghs, Profit Sharing, Money Purchase Plans, IRAs and Roth IRAs. Our portfolios are designed to deliver stepped levels of risk and reward over a market cycle. Our portfolios can be combined to deliver personalized and specific levels of return and safety.

Conservative Income: Primarily a trending bond portfolio, this is our most conservative account. It switches between cash and the various types of bond mutual funds including US Government Bond and corporate bond funds based on singles from NFA's proprietary Trend Following Models. NFA has created different bond models for different maturities and bond risks. This portfolio can also invest up to 25% of it assets in stock, gold, real estate or other growth oriented funds to help offset the effects of inflation.

Conservative Growth & Income: Like the Conservative Income accounts this portfolio will use assets allocation between many types of bond, gold, international, real estate or growth funds. What differentiates this from the more conservative income account is that it can invest up to 25% with NFA's Predictive Models which often buy at lower prices and sell closer to the top of a move. The larger portion of this portfolio follows NFA's Trend Following Models.

Conservative Growth: Conservative Growth, invest just as Conservative Growth & Income except now Predictive Models buys and sells may be executed for up to 50% of the portfolio. Portfolio movements from the Predictive Models do not necessitate a 50% move into or out of the market rather this is the upper limit to which Conservative Growth portfolio can reallocate assets based on the Predictive Model This is the portfolio held by the majority of our clients.

Aggressive Growth: Higher volatility often means higher rewards. NFA's Aggressive Growth Portfolio can invest up to 100% based on the signals from the Predictive Models. While this portfolio does offer higher long-term reward potential it naturally delivers larger swings in portfolio value and is definitely not for the weak of heart.

All of the portfolios we offer at The No-Load Fund Advisor are designed to enter the market at times of low risk and higher potential reward. Even our Aggressive Growth account aims at reducing the risk and anxiety associated with Buy-and-Hold investing.

Doing Business with The No-Load Fund Advisor

Opening an Account

Opening an account at The No-Load Fund Advisor is simple. However, there is a step by step process we follow through which we get to know each other.

The initial meeting is the most important first step: either in person or over the phone with one of our investment advisors or account executives. We are located in Huntington Beach, California but we have clients throughout the world, so telephone meetings are quite common for us.

Prior to the meeting, we will ask you to complete a Confidential Investor Questionnaire worksheet. This worksheet gives us (and you) an opportunity to review your investment objectives, experience and risk tolerance.

In our initial meeting, we review this worksheet with you in some detail to help insure that our recommendations will be suitable for your needs. At this time, we will also review our investment portfolios with you, and we'll formulate a recommendation.

Our next step is to create completed documents and applications requiring your signature. Then we'll open your account, which may be held at one or more custodians, depending on which type of account agreed upon. We currently work with Federated, Rydex Financial Services, and the Rydex Funds Group, among others.

In the last step, you will write a check or checks directly to one or more of these custodians. We at NFA will never have possession of your funds, though we will have the appropriate authority to make transfers, withdrawals and additions according to your instructions. If your investments are in an IRA, we can manage them for you, and we'll arrange a direct transfer of funds from your current custodian.

Initially, your check or transfer proceeds will be invested in a money-market fund. After that, we will immediately begin to invest your account with the NFA's buy and sell signals.

Continuing Account Oversight

Once your account is established, you will receive quarterly performance reports from NFA. You will also receive periodic accounts, at least quarterly, from your account custodian. If your account is taxable, we will prepare tax reporting information for you once a year.

Our management fees are billed quarterly. The fee is deducted automatically from your account.