Credo Wealth Management
Independent Personal Wealth Manager
Hello, and thank you for stopping by! I am a husband, father, Marine, independent personal wealth manager, business manager, and sports fan.
It is a great honor to enjoy the following highlights:
· Perfect 5-star rating by private clients
· No commissions or minimum investment
· Published by NASDAQ and Investopedia
· Featured financial advisor by Visa, Inc.
· Historically better investment returns*
*based on data from ARC Private Client Indices (PCI)
Credo means “I believe”. We believe in supporting your heritage by empowering your legacy. We are your personal advocate with fee-only management and advice, Proverbs-based principles, proven strategies, leading technology, human expertise, and historically better performance than the average investor. Credo Wealth Management was born from a passion to help people manage their finances and enjoy a fulfilling life while creating a legacy.
Daniel Schutte founded our firm upon earning his Series 7, Series 66, and Health & Life licenses. After training to be a financial advisor with a large company, he chose to become an independent Registered Investment Advisor in order to serve clients without pressure from commissions, quotas, or restricted investment and insurance options. While Dan has been conducting market research and studying wealth management for over 15 years, he now enjoys providing this service to our valued clients with both competence and care.
Dan is currently managing budgets up to $10 million for Visa, Inc. and previously served as a Marine Corps Intelligence & Operations Officer where he managed over $50 million in assets with the First Marine Headquarters Group. As a resident of Denver, Colorado, Dan is married to his wife, Sarah, and enjoys spending time making memories as a family.
Start investing in your legacy today at: CredoWealthManagement.com
Master of Business Administration (MBA), American Military University
CONTENT: All written content displayed here is for information purposes only. Opinions expressed herein are solely those of Credo Wealth Management LLC unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel prior to implementation. This communication may provide links to others for the convenience of our users. Our firm has no control over the accuracy or content of these other sources. REGISTRATION: Advisory services are offered through Credo Wealth Management LLC; an investment advisor firm domiciled in the state of Colorado. The presence of this communication on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute.
Welcome to Credo
Invest in Your Legacy
Your Value: Human Insight with Robo Tech
Great job getting started young! A good way to go with a small monthly contribution is an Exchange Traded Fund (ETF) portfolio that is designed to:
- Diversify risk
- Support your goals
- Respond to your time horizon
Learn more about ETFs here.
An annuity is a product that often "guarantees" a certain amount of growth and recurring payouts later in return for control of your principal investment. Investors should be aware that most annuities have high sales charges, capped returns, and stiff penalties for early withdrawals. You can learn more about annuity warnings and alternatives (e.g. managed ETF portfolios) at: CredoWealthManagement.com/annuity
While moving into retirement should be supported by a more conservative risk tolerance, you also want to be careful to not drop potential returns below inflation levels, or you might as well be in cash (which would lose value every year doing nothing). You can have a conservative to moderately allocated and low cost ETF portfolio with an appropriate mix of stocks and bonds while keeping a historic return of about 3-5% at a reasonably low risk. This can be automatically balanced and professionally managed for about a penny per dollar invested annually at Betterment.
A Roth IRA with diversified ETF funds would be a great way to go. Many advisors/brokers require a larger initial investment than $1,500 to start though (Credo Wealth Management has no minimum for a managed portfolio).
After you max out your Roth IRA ($5,500 per year), you could look into some "fun"/high risk investing such as options or foreign exchange.
Remember, a good rule of thumb for "learning" venues is to only invest what you can afford to lose.
A properly allocated and low-cost ETF portfolio will have select funds for companies with leading industries like the ones you listed. These are adjusted periodically based on historic risk and return according to your goals and time horizon. You can open an account with no minimum at Betterment.