We have established key strategic partnerships with financial industry leaders to provide clients with a broad spectrum of wealth management tools to enhance every aspect of their financial lives and at every stage.
As a client of Copper Leaf Financial you will see reference to a number of entities, or organizations with whom we've established relationships and partnerships for the purpose of offering an exceptional client experience . Please know that as a client you will deal with only one organization - Copper Leaf Financial. In addition, our clients do not pay any direct or indirect costs or higher fees because of any of our professional affiliations.
Copper Leaf Financial offers clients the choice of three custodians; Fidelity, Charles Schwab and TD Ameritrade. We are not affiliated with these custodians and are under no obligation to use their branded products, nor do we receive any form of compensation for managing clients’ money in ways that may be more beneficial for a particular custodian. Our only arrangement with these custodians is that they provide custodial services for our clients. The costs for custodial services are paid for by trading fees or annual account fees (if any). Trading fees are incurred any time a security is bought or sold, and our negotiated prices assure that these costs are as low as possible, and completely transparent. Trading costs and annual account fees (if any) are passed along directly to our clients without any additional mark-up.
Our affiliated full service CPA firm, Davis & Hodgdon Associates, enables us to tightly integrate individual and business owner’s wealth management with comprehensive tax advice so that all recommendations can factor in the tax consequences. For more than 25 years, Davis & Hodgdon has been a premier Vermont CPA, guiding individuals and entrepreneurs using a proactive, consultative approach.
The BAM Alliance is an active community of more than 140 independent wealth management firms dedicated to delivering on the promise of true wealth management. This national alliance elevates our ability to deliver the ideas, insights, and intelligence that help clients make the best decisions about their financial lives. BAM is considered an industry thought leader and also provides back office services that assist with overall investment and portfolio management.
We have carefully selected the following institutional custodians to hold our Client’s assets in accounts in their name. These custodians provide Copper Leaf with a comprehensive custody and clearing platform for client accounts at discounted rates.
Charles Schwab & Co., Inc was founded in 1973 and is now one of the world’s largest brokerage firms. Schwab offers institutional-caliber products, services and tools to our clients, as well as, providing custody, trading and back office support.
Fidelity investments has demonstrated a commitment to innovation and a dedication to creating the best client experience. Founded in 1946, Fidelity Investments serves 26 million individual investors.
Since 1975 TD Ameritrade has been placing clients first, ensuring that they go a step beyond to create the best possible client experience. They have more than eleven million funded client accounts that total more than $1 trillion in assets.
Copper Leaf Financial uses four primary investment managers for our client’s investment portfolios. These firms align with our evidence based philosophy by applying academic research and decades of data to rigorous methodology and practice. The strategies they manage provide us with the investment building blocks needed to construct low-cost, globally diversified portfolios designed to reduce overall risk and improve long-term, risk-adjusted returns.
Dimensional funds are built to capture market returns through broadly diversified, passive, low cost investing. Dimensional Fund Advisors LP is a mutual fund company grounded in academic research on the efficiency of capital markets. Dimensional employs a structured strategy designed to compensate investors by capturing all dimensions the market offers in a low-cost, tax-efficient fashion.
Bridgeway provides competitively priced, expertly designed investment options while putting investors’ interests first. Their investment process is statistically driven and grounded in academic theory built around logic, data and evidence. In addition, Bridgeway donates 50% of its investment advisory fee profits to non-profit organizations.
AQR funds provide alternative investment strategies as a complement to traditional asset classes. They broader diversification than stocks and bonds therefore reducing risk. Founded in 1998, AQR Funds manages assets for the largest institutional investors in the US, Europe and Australia. AQR is the leading provider of alternative investments and broad spectrum, long-only funds. Their investment philosophy is centered on a systematic process to control costs and manage risk, all grounded in solid economic principles.
BAM provides the management of individual fixed income securities, which act as a safety net and buffer from market volatility - protecting wealth that is already accumulated. Along with BAM we can customize a distinct collection of fixed income offerings at a low cost
to meet your individual needs.
Vermont Businesses for Social Responsibility (VBSR) is a statewide, nonprofit business association with a mission to foster a business ethic in Vermont that recognizes the opportunity and responsibility of the business community to set a high standard for protecting the natural, human, and economic environments of Vermont citizens.
Vermont Green Business Program recognizes Vermont businesses that demonstrate the shared values of taking care of the planet through our sustainable economy. Copper Leaf has been a member of the program and has met their rigorous environmental standards since 2016.