ZAG Fiduciary Duties

Most consumers spend a lifetime developing career specialization by which they earn their living and provide for their families. Investing is a lifetime process. Because most consumers are unable to ascertain investment costs, efficacy, or efficiencies, they are investment 'takers.' That is, they take what they are sold. In view of this, Zero Alpha Group (ZAG) members aspire to:

• Serve as a provider of quality investment solutions with real value;
• Build investment solutions that are efficient, low cost and risk measured;
• Allow investors to become rate of return "demanders" through use of index fund and asset class strategies;
• Disclose all relevant information;
• Serve as a client advocate;
• Be independent of all outside commercial or personal influences; and
• Subjugate all other goals to the needs of the client.