Mission Statement

Inflection Advisors tries to keep things simple by utilizing the many technology platforms available to map out a clear and concise strategy. We understand that there is an over abundance of information and that we now accumulate wealth in so many different areas of our life. Inflection Advisors can provide financial planning advice from a 30,000ft view or drillustration essay topics sports how to write dialogue in an essayill into and manage a single investment account. We are big on clarifying our role as advisor and want to be sure all relationships are upfront with fees and what is actually being provided. This is done through a process that addresses the goals and objectives before doing anything else. We want to work together to build an ideal lifestyle, we know your finances can be a start in leading you to this goal.

Vision

Inflection Advisors as a firm feels that we must positively impact three key relationships:
Clients

To work together as a team we can create lasting relationships that can pass the test of time by transferring wealth across generations. Our goal is to be there through life events and to say we have worked together for 20+ years.

Partners & Professional
Relationships

Our firm depends on so many other professionals to make us who we are. We want to celebrate the wins together and continue to be a positive impact on their businesses.

Our families

It is through our families that we provide experiences and it is those family members who impact our lives both inside and outside of the office. We hope to provide an environment that will lead our staff and advisors along a path to build a fulfilling happy life.

Investment Philosophy

Inflection Advisors often emphasizes the importance of higher level financial planning, but understand that asset allocation is an important piece to fitting it all together. We believe that being invested in the market at all times proves to be very valuable over the long term and our focus of matching short term goals with long term planning will be sure the day to day fluctuations don't keep you up at night.

Our custodian is TD Ameritrade Institutional and we only manage accounts on a fee basis. No more 12b-1 fees or commissions for any of the funds that we use. Our standard fiduciary care of each account ensures the client is always first.

Our firm utilizes three different investment approaches:

1

Build simple low cost ETF or Mutual Fund portfolios that we manage for you through TD Institutional. Inflection will also work with you to setup accounts with outside custodians. This is often for those who are just getting started and don't necessarily have a portfolio.

2

We partner with some of the top asset managers in the industry. They provide a very wide range of separately managed accounts that can fit the goals and objectives of your financial plan. These are high quality investment grade mutual funds, ETF's, or a combination of the two. These accounts often cover a wide range of asset classes and are tailored to each client. Key Functions: Auto re-balancing, specific tax management/ tax loss harvesting.

3

Lastly, Inflection builds high quality custom portfolios for specific investment objectives. These custom accounts become more important as your situation becomes more complex and we must advise across multiple accounts. There will be the same enhanced features as separately managed accounts, but they will have a more personal touch to each of them. There will be an emphasis on making sure we keep fund expenses low when possible.

Modern Portfolio Theory:

Our planning will base our investment allocations off the modern portfolio theory, making sure we are allocating across many asset classes and optimizing maximum possible expected return for a given level of risk. While traditional equity and fixed income investments represent the lion’s share of our investment portfolios, we believe appropriate allocations to non-traditional and non-correlated investments help us to compound our members’ money over time with lower volatility.

Insurance/ Risk Mitigation

Insurance needs vary based on where you are in your life. For example, a young professional who has just started his or her own business may be more focused on liability coverage while someone nearing retirement may be looking for wealth preserving insurance solutions. Our approach is to evaluate all of the various exposures and insurance objectives at each stage of your life as they correlate to your financial goals. We are then able to drive efficiency should we uncover any gaps and/or redundancies.

"A fiduciary is an individual in whom another has placed the utmost trust and confidence to manage and protect property or money. The relationship wherein one person has an obligation to act for another’s benefit." -- dictionary.law.com

Our Team of Experts

Gregory J Karis
Financial Advisor - President
Russell Telfer
Financial Advisor
Alexander Roberts
Founder - MFE Insurance Brokerage

Partners

TD Ameritrade Institutional provides comprehensive brokerage and custody services to more than 4,000 fee-based, independent Registered Investment Advisors (RIAs). We believe the fiduciary standard gives advisors and their clients the best chance at a successful relationship, so we've made it our mission to do everything we can to stand up for the RIA industry.

Dimensional Fund Advisors is a leading global investment firm that has been translating academic research into practical investment solutions since 1981. We seek to add value by building portfolios that target higher expected returns in a cost-effective manner. Through a dynamic investment process that integrates research, portfolio design, portfolio management, and trading, we manage the tradeoffs that matter for performance—balancing competing premiums, diversification, and costs.

MFE Insurance Brokerage is an Independent Insurance Agency with offices on the east and west coast. We quote and place insurance through many carriers guaranteeing you are getting the most competitive price available. It's our mission to provide the best customer service ensuring we are making our clients lives a little easier.