Joshua Hall

ChFC
Retirement, Investing, Small Business
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“Joshua Hall is a seasoned professional and an authentic investor focused on providing customized portfolio management services. True Vine Investments is all about having the wisdom of God to capture the investment growth that comes from Him.”
Firm:

True Vine Investments

Job Title:

Investment Advisor

Biography:

True Vine Investments is an independent Registered Investment Advisor (RIA) and the investment advisory business of Joshua S. Hall, ChFC. He is located in Williamsport, amongst the mountains of northern Pennsylvania.

Prior to starting True Vine Investments in 2010, Joshua worked for JPMorgan Asset Management for 10 years. He spent the last several years as Vice President and On-boarding Manager for the Global Liquidity business. He earned his Bachelor's of Science Degree in Finance from Susquehanna University in 1999 and his Chartered Financial Consultant (ChFC) designation in 2005.

Joshua writes The True Vine Letter, a blog focused on providing financial education and unique investing insight. He is the author of The Truth On Investing: From the Darkness of the Crowd to the Light, a book that provides a framework for people to invest the resources that God has given them—with Him—and precisely the way He has purposed.

Joshua values close relationships with his clients and understands that trustworthiness is the most important characteristic they are looking for in an investment manager. He is very happily married to his wife Michele and they have 3 children. He enjoys the outdoors and being far away from the crowd on Wall Street.

Education:

BS, Finance, Susquehanna University

Assets Under Management:

$3 million

Fee Structure:

Tiered

CRD Number:

4413021

Disclaimer:

The information provided by Joshua Hall on Investopedia is general in nature and for educational purposes only. It is not to be used or considered as an offer or a solicitation to sell or an offer or solicitation to buy or subscribe for securities, investment products or other financial instruments, nor to constitute any advice or recommendation with respect to such securities, investment products or other financial instruments. It does not have regard to the specific investment objectives, financial situation, and the particular needs of any specific person who may read it. You should independently evaluate specific investments and consult a professional before making any investment decisions.

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April 2017
    401(k), Real Estate, Retirement Savings, Taxes
February 2017

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    Asset Allocation
Should I be comfortable with Edward Jones's new Guided Solution program?
67% of people found this answer helpful

Management fees should be judged by what they produce for the investor. 2% a year is not too high if the investment advisor (1) produces a superior net rate of return over time, compared to other cookie cutter options, (2) provides a high level of customized service, and (3) is a trustworthy individual/firm that knows you and your situation. It is a common mistake by investors to simply compare fees between investment advisors as if they are all the same. Nothing could be further from the truth.

Here is a simple example that demonstrates the value of superior net returns. A $10,000 initial investment invested for 30 years that earns an average annual return of 8% will grow to $100,600. At 10%, it will grow to $174,500 and at 12%, it will grow to $299,600. If an investor hirers a manager that can generate superior long-term returns, then they could theoretically have a retirement fund that is 3x (or more) larger. 

Quality advisors can also help clients save thousands of dollars over time by providing them with good advice on tax deferred savings vehicles, etc.

If a firm is charging 2% to be invested in plain vanilla fund options and you never hear from your advisor, then the fee is too high.

The fact that you are now paying more for what might be the same type of investments and possibly no change in the level of service is telling. In general, when customers work with larger firms, the level of customization and ability to earn exceptional investment performance drops off fast. I say this as someone who used to work for a large investment firm and now owns my own independent investment advisory business.

Joshua Hall, ChFC

January 2017
    Investing, Stocks
What is the direct correlation between the stock market highs and Trump's presidency?
50% of people found this answer helpful
March 2017
    Retirement, Social Security
How can I calculate Social Security payments if I retire early at 57 years old, but don’t begin collecting until the age of 70?
50% of people found this answer helpful
October 2017
    Investing, ETFs
What is the purpose of investing in physical gold or gold ETFs?
50% of people found this answer helpful
May 2017
    Investing, 401(k)
How do I begin budgeting?
50% of people found this answer helpful
September 2017