Lagunitas Asset Management

1024 Iron Point Road, Suite 100
Folsom, CA 95630
  • 916.357.6656


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Financial Planning, Estate Planning, and Investment Management in Folsom, El Dorado Hills & the Silicon Valley has never been easier than with Investment Advisor Lagunitas Asset Management by your side. In our low-stress, high-energy environment, your Retirement, College, or Estate Planning needs are our top priority!  When you come in to meet the team at our offices in Folsom, you'll be sitting at our own version of "The Round Table".  It all starts with a conversation, and therein the Build-out of your investment strategy begins.  Built around the vision & priorities that you have for your Family, Business, Charity/Endowment, or a combination of all three, your investments are carefully chosen from an open-architecture universe of tens of thousands of Mutual Funds, Exchange-Traded Funds (ETFs) and Individual Stocks & Bonds.   Take a leap if you will, and dive into our "deep blue sea" so that you can get a better picture of what we stand for and how we came to be!

Understanding the background of where a person comes from has never been more important than it is in the investment business today.  While in some faraway fairy-tale land, I'm sure that everyone is honest and gold paves the streets, but in our little corner of the world, we've learned that you just can't accept things at face value anymore!  However, change is FINALLY here.  In June of 2017, landmark legislation was passed by the Department of Labor that implemented the Fiduciary Rule with sweeping provisions that strengthened Individual Investor's "rights & protections" like never before! The DOL's new rule (1,023 pages in length!!) focuses squarely on advisors/financial planners/bankers/stockbrokers/insurance salesmen who, BY LAW, are not fiduciaries and expands the "Investment Advice Fiduciary" section of ERISA and gives it TEETH for the very first time.

Excerpted (with permission) from Investopedia's Fiduciary Rule definition:

"Fiduciary is a much higher level of accountability than the suitability standard previously required of financial salespersons, such as brokers, planners and insurance agents, who work with retirement plans and accounts. "Suitability" meant that as long as an investment recommendation met a client's defined need and objective, it was deemed appropriate. Now, financial professionals are legally obligated to put their client's best interests first rather than simply finding “suitable” investments."

....here's where it get's Juicy:

"The Department of Labor's definition of a fiduciary demands that advisors act in the best interests of their clients, and to put their clients' interests above their own. It leaves no room for advisors to conceal any potential conflict of interest, and states that all fees and commissions must be clearly disclosed in dollar form to clients. The definition has been expanded to include any professional making a recommendation or solicitation — and not simply giving ongoing advice. Previously, only advisors who were charging a fee for service (either hourly or as a percentage of account holdings) on retirement plans were considered fiduciaries.

excerpted from: The DOL Fiduciary Rule Explained as of June 9th, 2017 | Investopedia http://www.investopedia.com/updates/dol-fiduciary-rule/#ixzz4lzdIvKpr

 In a nutshell, ALL retirement accounts (IRA's, 401k's, Pension Plans, 403(b)'s, 457's, etc...) now fall under these rules, and THAT is a very good thing for individual investors across the USA!  Because of these changes now sweeping across the nation, a formerly little-known term was thrust into the spotlight (take a bow fiduciaries!) and caused all sorts of great questions to pop up:  What is A Fiduciary?  How are they different than the advisors at my local bank or brokerage firm?  What do they mean by an advisor doing their "Fiduciary Duty"? 

As a fee-only Registered Investment Advisory firm, Lagunitas Asset Management (LAM) does not charge commissions, and has been considered a Fiduciary since our inception.  Our hearts and minds are always aligned with those of the people we serve, and we have one duty: Empowering Investors with The "White Glove" Treatment!  As investments that we make on behalf of others mostly rise and sometimes fall over time, so does our fee-based compensation, putting our interests exactly on the same page as our clients. It is of the highest importance that only the most prudently selected investments are chosen for each individual client, but the work isn't done there.  We make a lifelong commitment to our clients that has only just begun; a promise and vow that their portfolio's (hard-earned dough) will be looked after and shepherded from one investment to the other when the timing is right and your situation in life allows. 

Did you just sell A BUSINESS?  Did you just INHERIT a large sum of money? What will you do with that 401k after you RETIRE?  With all of these questions and more it's a wonder that anyone can find the right investment firm that speaks their language.  If you've ever felt like you need a translator when your investment advisor is talking, then tune in to a different frequency by clicking ME right away!

We're here because we want to see you at peace financially, so please use the vast tools and resources on financial management that we've provided; you might just learn a little bit more about who we are along the way.  Please, take advantage of these resources as helping you better understand your finances is what we are all about.  Come back and visit us again some time soon, or for more even more information and timely updates from Lagunitas, follow us on Twitter at www.twitter.com/LagunitasIQ.

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