What are your services?

Eddy company offers investment management, tax preparation, tax planning, bookkeeping, payroll services, financial planning and business consulting.  Please contact us with your specific needs and we will return your request promptly.

Why is a financial plan important?

Without a complete plan in dealing with your finances, it is easy to steer off track. Although many advisors can complete a financial plan for you, a planner with the CFP® designation is especially trained and educated to complete this important process for you. Fee-only advice provided by Eddy Company, LLC aligns the incentives of you and your advisor.

What is your investment philosophy?

Adhering to a long-term investment plan though market fluctuations versus attempting to time the market is the core of the firm’s advice.  As supported by some recent studies, the firm believes the majority of investment returns are derived from a portfolio’s asset allocation.  Therefore, research is focused on the weightings of asset classes, and capturing excess return due to these weightings.  Access to various asset classes can be achieved via lower cost ETF’s (Exchange Traded Funds). High cost investments can erode return over time.  Low-cost, tax-efficient investing is a priority in formulating investment recommendations.

What makes you different from other advisors?

Eddy Company, LLC is a registered investment advisor.  The firm is independent, and makes investment decisions in-house.  Therefore, the only “product” that the firm offers is a very personalized financial plan and structured portfolio for your individual needs. The firm has no incentives to offer any particular fund or other investment to you. Therefore, the advice given is totally unbiased.  The firm offers advice that is cost-efficient, and strives to achieve your long-term investment goals.  Also, with both tax preparation and investment management, everything can be done virtually.  With state-of-the-art technology, Eddy Company protects your sensitive personal data.

What are your fees?

Our assets-under-management (AUM) fee for professional investment management is reasonable and negotiable.  Fees are generally tiered based on size of account.

What is your performance?

Performance is specific to account.  The firm strives to construct diversified, long-term portfolios that at least match the relevant asset weighted benchmark after fund expenses.  The firm believes that much of portfolio performance is derived from asset allocation, which is constructed based on risk tolerance and long-term goals/constraints.  Your assigned advisor can give you more information on historical firm performance.

Is your firm a “Robo-Advisor”?

No.  Robo-Advisors are typically firms that invest clients’ money based on algorithms that derive a long-term investment objective based on an initial questionnaire determining risk tolerance.  Investments are typically automatically re-balanced based on market movements.  In most cases, a human advisor is not involved in investment planning decisions.

Eddy Company offers clients a real human relationship between you and your advisor.  The firm recognizes the need to continually monitor changes in life circumstances and risk tolerance, while offering you low cost investment vehicles to achieve long-term goals.  We feel that algorithms cannot achieve that necessary human element from a seasoned professional.

Are fees paid to your firm tax deductible?

Yes, with certain limitations.  Section 212 of the Internal Revenue Code permits an itemized deduction for tax and/or investment advice on the miscellaneous section of Schedule A on your federal income tax return. It is currently subject to a 2% floor of adjusted gross income.

What if my account goes down?  Do I have any protection or insurance against losses?

Securities offered through Eddy Company, LLC are not FDIC insured.  They may lose principal value.   However, there are hedging strategies using certain securities that can lower volatility of your portfolio.  Ask your advisor about using strategies to lower volatility and potential losses in your portfolio.

What about SIPC insurance on securities?  I heard that this can insure up to $500,000 of my portfolio against loss.

Our custodian, Interactive Brokers, LLC, will hold your securities.  Interactive Brokers, LLC carries SIPC Securities Investor Protection Act insurance for accounts.  More about Interactive Brokers, LLC can be obtained at IB Group Strength and Security.  This insurance covers up to $500,000 for securities and cash missing due to fraudulent activity.  This insurance does not cover losses due to normal market fluctuations.  Your advisor works hard to create an investment portfolio that matches your long-term risk tolerance as well as constraints listed on your Investment Policy Statement.

How do I start the process of getting a financial plan and opening an account with your firm?

Call us at (978) 922-0435 to be introduced to an advisor who can prepare a plan for you to meet your financial goals.

Privacy Statement

The firm’s goal is to provide the highest degree of service to its clients with the utmost regard for ethical standards, fiduciary duties and compliance with applicable law. We are committed to protecting the confidentiality, integrity and security of any nonpublic personal information (“Information”) of our clients and prospective clients and preventing unauthorized access to, or use or disclosure of such information.

Housing market graphWe require a certain amount of information about you in order to provide you with investment products, financial advice or other services. We limit the collection and use of such information to the minimum we require in order to provide you with high-quality services and products. We will not share information about you with third parties, except (i) for the specific purposes listed below, to the extent necessary to conduct our business, (ii) as required or otherwise permitted by law or (iii) as you may permit in writing.

This privacy policy and notice (the “Policy”) applies to individuals who obtain financial products or services from Eddy Company, LLC primarily for personal, family or household purposes, regardless of whether such individuals have a customer relationship with us. A copy of this Policy will be provided to: (i) individuals who obtain a financial product or service from us that is to be used primarily for personal, family or household purposes, before we disclose any information about any such individuals to any non-affiliated third party, unless such disclosure is required or permitted by law; (ii) individuals who become customers, not later than when a customer relationship is established; and (iii) all existing customers on an annual basis during the continuation of the customer relationship.

The Types of Information We Collect: We obtain most information directly from you when you apply for, use or access our financial products or services. We may verify this Information or obtain additional information from certain government agencies. The types of information we gather include basic personal information such as your name, address, phone number, email address, social security number, assets and income, as well as information related to your transactions with Eddy Company, LLC, our affiliates or others, such as your account balances, transactions history and claims you make.

Steps We Take To Safeguard Your Information: We require our employees to safeguard the confidentiality of your information. Each employee is required to comply with this Policy and our established procedures, and we restrict access to information about you to those employees who need to know the information to administer our products or services. We also maintain physical, electronic and procedural safeguards that comply with applicable laws to guard your information.

Disclosure of Information: We may disclose all of the information we collect about you when directed to do so by you or your approved sub-advisor, when we believe it is necessary for the conduct of our business, or where disclosure is required or permitted by law. For example, we may disclose information to attorneys and other professionals, for audit or research purposes, or to law enforcement officials to aid in preventing fraud, money laundering, or other matters. We may also disclose information to third party service providers: (i) to enable them to provide business services for us or approved sub-advisors, such as performing computer or data-related maintenance or processing services; (ii) to facilitate the processing or servicing of your transactions; (iii) to assist us in offering products or services to you or your approved sub-advisor; or (iv) for credit review and reporting purposes. Unless otherwise directed by you, Eddy Company, LLC, requires all third parties who receive information about you— other than your accountant, attorney—to sign confidentiality agreements. We do not make any disclosures of information to other third parties that may want to solicit your business.

Further Information: We reserve the right to change this Policy, and will inform you of any substantive changes. If you have any questions regarding this Policy, please contact Brian Eddy at (978) 922-0435.

Regulatory Disclosure

Eddy Company, LLC is registered with the state of Massachusetts as a Registered Investment Adviser under the Investment Advisers Act of 1940. The information provided on this website is for informational purposes only and is not intended to solicit clients or provide any investment advice or service. The contents offer general information only about Eddy Company, LLC, and its services and should not be acted upon without obtaining specific advice from a licensed professional regarding the reader’s own situation or concerns.

Eddy Company, LLC, enters into a new client relationship only after it provides and obtains certain information. Every prospective client is provided with a copy of Eddy Company’s Privacy Policy and Form ADV Part II. Also, the USA Patriot Act, passed in response to the events of September 11, 2001, requires certain financial service providers to request specific information from clients.

Accordingly, Eddy Company, LLC acts to verify a potential client’s identity and makes a risk assessment of their financial and business activities. This required due diligence is explained in Eddy Company, LLC’s Customer Identification Program, a copy of which, is also provided to potential clients. Lastly, Eddy Company, LLC, will not provide any investment advice or supervision without a fully executed Investment Advisory Agreement.

As a registered investment adviser, Eddy Company, LLC is required by rule to adopt and enforce a code of ethics that establishes the standards of conduct expected of all employees and reflects our fiduciary duties. A copy of Eddy Company, LLC’s Ethics Policy will be provided to any client or prospective client upon request.