Investment Management

Columbus Street Financial Planning believes in a collaborative investment process beginning and ending with you.  Your portfolio should not only be connected to your financial planning but also to your personal goals, values, and what’s important to your family. It should be sophisticated, yet not complicated. As a fiduciary, we provide our clients with access to some of the best investment minds in the business.

We have partnered with XY Investment Solutions, LLC (“XYIS”) and their Investment Committee to construct and continuously review our clients’ personalized portfolios. XY Investment Solutions is exclusively designed to serve the members of XY Planning Network (“XYPN”) and is focused on delivering investment solutions for the modern advisor and client. They believe in the tenants of asset allocation and diversification, low cost, tax efficiency, and discipline. They take a global view and believe in covering both the size and style spectrum with emphasis on value.

In recent years, many investors have requested a portfolio design that aligns with their personal values and addresses key social and environmental issues throughout the world. To meet environmental, social, and corporate governance considerations and investors’ commitment to Socially Responsible Investing (SRI) & Environmental Social Governance (ESG), Columbus Street Financial Planning and XYIS have partnered with Dimensional Fund Advisors (DFA) to provide low-cost mutual fund portfolios that align with investors’ principles.* DFA’s investment screening is based on extensive research into what drives market returns over time, including the work of Eugene Fama, Recipient of the 2013 Noble Prize in Economics. We use Dimensional Fund Advisors in our clients’ portfolios because of their rigorous and structured process and long-term approach to investing, SRI analysis, and their academically data-driven investment philosophy based on valuation.

*Investors of SRI and ESG strategies accept corporate governance considerations, environmental, and social investment screening will limit investment opportunities.

Cost of service is calculated based on your portfolio managed by Columbus Street Financial Planning and custodied with TD Ameritrade Institutional. Portfolios are billed quarterly in advance and based on the previous end of the quarter value. Partial quarters will be prorated.

$0-1MM
0.85%
Annual Rate
$1-2MM
0.70%
Annual Rate
$2-3MM
0.60%
Annual Rate
SAMPLE PORTFOLIO
Total Portfolio $0-1MM $1-2MM Last $400K Total
$2.4MM x.0085 x.0070 x.0060 $17,900
$8,500 $7,000 $2,400

Mario Nardone*, CFA

Outsourced Chief Investment Officer,
Head of Investment Committee

Outsourced Chief Investment Officer, Head of Investment Committee Mario’s investment career began with ten years at Vanguard, consulting institutions and financial advisors on investment policy, portfolio construction, Exchange-Traded Funds (ETFs), and trading strategies as a member of Vanguard’s Fiduciary Services and ETF Product Management units. Through a relationship with his firm, East Bay Financial Services, Mario leads the XYIS Investment Committee and provides day-to-day investment support to advisors on the XYIS platform. East Bay Financial Services provides investment management and consulting services for financial planners, nonprofits, and individuals around the world. A CFA (Chartered Financial Analyst) Charter holder since 2003, Mario is Past President of CFA Society South Carolina and is a member of the CFA Institute and the Financial Planning Association. His approach to investments and the industry has been featured in Investment News, NAPFA Advisor Magazine, Charleston Regional Business Journal, The Post & Courier, and The Northeast Pennsylvania Business Journal.

Michael Kitces

Co-founder, Investment Committee

Michael E. Kitces is a co-founder of XYPN, the practitioner editor of the Journal of Financial Planning, and the publisher of the e-newsletter The Kitces Report and the popular financial planning industry blog Nerd’s Eye View.

Michael is an active writer and editor across the industry and has been featured in publications including Financial Planning, the Journal of Financial Planning, Journal of Retirement Planning, as well as The Wall Street Journal, BusinessWeek, CNBC PowerLunch, NBC Nightly News, and more.

Michael is one of the 2010 recipients of the Financial Planning Association’s “Heart of Financial Planning” awards for his dedication to advancing the financial planning profession.

*Please note Mario Nardone is not an employee or Investment Adviser Representative of either XYIS or Columbus Street Financial Planning and provides his services on an independent basis through his own registered investment adviser, East Bay Financial Services. XYIS is an independent registered investment adviser and is unaffiliated with Columbus Street Financial Planning. The name “XY Investment Solutions”, its logo, and all related names, logos, product and service names, designs and slogans are trademarks of XYIS or its affiliates or licensors. Nothing presented on or through this website regarding XYIS, its Investment Committee, or any of its investment solutions (“XYIS Content”) is intended to be personalized investment, tax, legal, accounting, or any other professional advice. To the extent this website includes XYIS Content related to investment, tax, legal, or accounting matters, such content is expressly for general information purposes and should not be relied upon for any decision-making. Investment, tax, legal, accounting and other professional advice is specific to each individual and entity, and you should consult with a professional advisor to receive personalized advice. Such XYIS Content is made available solely for general information purposes, and XYIS does not warrant the accuracy, completeness or usefulness of this content. Nothing contained on this website regarding XYIS Content should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. To the extent any security or other financial product or investment strategy is referenced or discussed on this website in conjunction with XYIS, you should understand that past performance is no guarantee of future returns and that investing in any security or other financial product or investment strategy can result in the partial or complete loss of principal. Investing involves risk that you as an investor should be prepared to bear. Any content on this website regarding XYIS Content is provided on an “as is” and “as available” basis, without any warranties of any kind, either express or implied. XYIS disclaims all warranties of any kind, whether express or implied, statutory or otherwise, including but not limited to any warranties of merchantability, non-infringement, and fitness for a particular purpose. In no event will XYIS, its affiliates or their licensors, employees, agents, officers or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with any XYIS Content, including any direct, indirect, special, incidental, consequential or punitive damages.