Our Services

Yes, unequivocally. As an independent Registered Investment Advisor (RIA) firm, Plum Creek Investment Services operates under the fiduciary standard established by the Investment Advisers Act of 1940. This is the highest standard of care in the financial industry.

Under this legal obligation, we must:

• Always put your financial interests ahead of our own or the firm's.
• Provide prudent, objective advice tailored specifically to your objectives and risk tolerance.
• Disclose any and all potential conflicts of interest transparently in plain English.
• Refuse hidden commissions, revenue-sharing arrangements, or sales kickbacks.

Our investment process follows a disciplined, evidence-based framework designed around four distinct phases:

• 1. Discovery & Profile Analysis: We evaluate your existing holdings, cash flow needs, tax bracket, time horizon, and behavioral risk tolerance using quantitative assessments.
• 2. Custom Asset Allocation: We craft an Investment Policy Statement (IPS) establishing target allocations across domestic and international equities, fixed income, cash equivalents, and alternative asset classes.
• 3. Independent Implementation: We populate portfolios with institutional-class index vehicles, low-expense ETFs, and individual bonds—strictly free of proprietary product quotas.
• 4. Dynamic Rebalancing & Tax-Loss Harvesting: We continuously monitor your portfolio, executing strategic rebalances and opportunistic tax-loss harvesting to keep risk in check.

We believe complete fee transparency is fundamental to fiduciary integrity. Our wealth advisory compensation is structured as a clear, tiered percentage of Assets Under Management (AUM):

• Zero Commissions: We do not sell annuities for commissions, accept 12b-1 mutual fund distribution fees, or earn trading desk markups.
• Complete Alignment: Because our fee is tied directly to your portfolio's value, we only prosper when your wealth grows, aligning our incentives with your success.
• Clear Invoicing: Advisory fees are calculated and debited quarterly in arrears and explicitly itemized on your custodial statements.

No. Plum Creek Investment Services has no proprietary products and zero sales quotas.

Many Wall Street brokerages and large commercial banks incentivize their representatives to distribute internal mutual funds, structured notes, or proprietary life insurance products with high management fees. Because we are an independent boutique firm, our advisors have the freedom to select best-of-breed investment options across the entire open universe of global financial instruments.

We never take direct custody of client funds or securities.

Your capital is held in your own name at reputable, independent third-party institutional custodians (such as Charles Schwab or Fidelity Institutional). This segregation provides critical structural protections:

• You maintain 24/7 direct online access to your independent custodial portal and monthly statements.
• Plum Creek operates under Limited Power of Attorney (LPOA) solely for authorized trading and fee deductions—we cannot transfer or withdraw your capital to third parties.
• Your accounts are covered by SIPC insurance up to $500,000 (including $250,000 for cash claims) with supplemental multi-million dollar private syndicate coverage.

We tailor communication cadence to each client's preferences while maintaining strict fiduciary diligence:

• Quarterly Performance Reviews: Comprehensive reports detailing asset returns, benchmark comparisons, fee deductions, and tactical asset distribution.
• Annual Strategic Planning Session: In-depth re-evaluation of your retirement projections, tax-bracket management, insurance coverage, and family beneficiary designations.
• On-Demand Availability: When major market volatility occurs or personal life changes arise (marriage, business sale, home purchase, inheritance), your advisory team is directly accessible via phone, video call, or in person at our Castle Rock office.

Yes, absolutely. Comprehensive fiduciary wealth management cannot operate in a vacuum. We actively act as your financial quarterback, coordinating directly with your CPA, tax accountant, and estate planning attorney.

Key areas of professional synchronization include:

• Coordinating year-end capital gains/losses with your CPA to optimize tax liabilities.
• Ensuring that trust titles, beneficiary designations, and transfer-on-death (TOD) registrations precisely match your estate planning documents.
• Structuring tax-advantaged charitable giving (Donor-Advised Funds, Qualified Charitable Distributions from IRAs).

We offer a complimentary, no-obligation **Fiduciary Second Opinion** meeting. The process is relaxed, consultative, and zero-pressure:

• Discovery Conversation: We listen to your financial aspirations, retirement goals, and current concerns.
• Portfolio Diagnostic: If you wish, you can share your existing statements for an objective diagnostic review examining hidden fee drag, tax inefficiencies, and unnecessary risk concentrations.
• Actionable Road Map: We provide transparent observations and outline whether our advisory services are the ideal fit for your family or business.