Financial planning has long be viewed by many as a cumbersome and time-intensive event that occurs once every three to five years. Normally it is instigated by your financial advisor when they ask for all your information and end up giving you a 400 page document that sits on a shelf or in a desk drawer until you start the process over again. This type of planning has little place in today’s technologically advanced world and it is not an...
When it comes to asset management, Avant-Garde is like a supermarket of strategies and methodologies. As a firm of independent advisors, Avant-Garde has a collection of some of the best minds and methodologies in the industry and continues to build on that premise. With advisors that range from backgrounds in quantitative trading to CFA’s that offer asset allocation driven modeling, we have specialists that can handle the needs of any client,...
Congratulations! You have made it to your “retirement”! Now what? We put retirement in quotation marks because retirement doesn’t mean the same thing for everyone. In our opinion, “retirement” is not a date or an age that can be applied to everyone, instead we believe retirement is the change from accumulation to distribution. You may have loved your career or maybe you counted the days until you were...
Eric J. Linser, CFA | Independent Private Wealth Manager
Mr. Linser joins Avant-Garde Advisors from Green Valley Wealth Advisors, a fee-only RIA that he built from the ground up. After the better part of two decades as a successful financial advisor, Eric felt the need to provide individual investors with more knowledgeable guidance and counseling around wealth management. To that end, he built an investment advisory practice around honesty, integrity and experience. Eric is a Chartered Financial Analyst (CFA) charterholder and has been actively involved in investment management, research, and providing financial advice since 1990. Eric believes that to be an exceptional advisor, one must instill confidence, build trust, and exhibit integrity to current and prospective clients alike. His life-long passion for investing led him on a path of working with registered investment advisory (RIA) firms and larger firms such as Merrill Lynch and Wells Fargo, until he had an awakening moment and realized there were many people who were utterly lacking the knowledge and guidance necessary to achieve a successful retirement.
Eric received his Bachelor of Business Administration degree in Finance from Kent State University where he graduated cum laude. He is a member of the CFA Institute, the CFA Society of San Francisco, and a former member of the NASDAQ Institutional Advisory Counsel. Eric lives in San Francisco with his wife and young son; they’re his inspiration. Eric enjoys bicycling, backpacking, and time with family and friends.
Avant-Garde Advisors was founded in 2009 by two financial advisors that believed the client should always come first. While financial advice is very abundant, the quality of financial advice varies greatly. The culture at large banks, brokerage firms, and insurance companies is that the firm comes first, financial adviser second and THEN the client. This culture is driven by a commission based compensation model that incentivizes advisers to sell product for short term gains and in our opinion, at the expense of the client. Many advisors claim independence, but they have the same compensation structures as the larger firms. So with so many choices, how can investors know that they are getting advice that isn’t based on the commission it generates?
The answer is simple; hire an independent SEC Registered Investment Advisor. SEC registered advisors have over $100 million in assets under management* and are held accountable to their clients through their fiduciary standard. Non- fiduciaries are loyal to the companies that they work with and are simply held to a “suitability requirement”. Since a non-fiduciary must only meet a suitability standard, they may recommend something that is acceptable for your situation, though maybe not in your overall best interest. With fiduciaries, there are no split-loyalties between you and another company since they have a “fiduciary duty” to you. A fiduciary duty is one of complete trust and utmost good faith. Fiduciaries owe two main duties to their clients: a duty of loyalty and a duty of care. The duty of loyalty means a fiduciary is legally required to act solely in your best interest. The duty of care requires that a fiduciary perform their duties with a high level of competence and thoroughness.
Avant-Garde Advisors is a SEC Registered Investment Advisor (RIA) that is best described as a firm of independent advisors working together to produce economies of scale, knowledge and experience. What this means is each advisor within Avant-Garde specializes in a different investment philosophy or methodology, but collectively the advisors can take advantage of the experience and knowledge of every advisor. This consortium of different talents and backgrounds is what makes Avant-Garde uniquely different in the independent RIA space.
*Registration with the SEC does not imply a certain level of skill or training nor does it imply an endorsement by the SEC or any other governing body. There are other exemptions that allow some firms with under 100 million in assets under management to be registered with the SEC. Avant-Garde Advisors currently has over 100 million in assets.Learn More