More importantly, do you understand the consequences of not understanding the details of your investments?

High annual fees or expense ratios in annuities or mutual funds can make a big difference in your returns over time. Make sure you understand all the things you’re paying for every year in your investment accounts.

Investment portfolios managed by Crow Financial come with no hidden fees or charges. Clients pay a quarterly management fee, which is a small (0.5% or less) percentage of the market value of the assets under management. Clients also pay trade commission when a stock is bought or sold, but neither Crow Financial or any of its employees receive a portion of that.

Make sure you understand how your advisor is paid, and what you’re paying for, every year. If you’re not sure, or can’t figure it out, ask. If you still don’t get an answer, call us at or toll free for a no charge, no obligation consultation.

Do I have to “ride out” a bad market?

The short answer is, “no.” Crow Financial has the tools and discipline to get out of stocks and out of the market when things are bad, provided the clients understand the tax consequences. Do we have to sell when our indicators tell us to? No again. Our processes are flexible such that any account can “opt out” of a trading program at any time. When we think the markets are weak, we don’t buy new stocks and are content to hold cash. In protracted bear markets, we’ll look for alternatives that provide positive returns in a negative market without directly shorting a stock.