Unlock Your Investment Potential with Our Exclusive Securities Research and Analysis
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At Life UnLocked Partners, we recognize the significance of personalized wealth management. Our seasoned team of financial specialists is dedicated to assisting you in making well-informed investment choices that align with your individual objectives and ambitions. By conducting thorough in-house analysis, we eliminate the reliance on costly mutual funds and ETFs, ensuring that your portfolio mirrors your distinct values and priorities.
Transparency and autonomy are at the core of our philosophy. Through our proprietary analysis, we empower you to confidently navigate the financial landscape, equipping you with the insights, direction, and encouragement necessary for enduring success. Bid farewell to concealed fees and generic investment approaches – it's time to embrace the tailored approach that sets us apart. Collaborate with us and uncover the reassurance that arises from entrusting your investments to capable, attentive professionals.
Why Us?
- Money fuels our material existence
- Even when our spirits are full, we need money for the bills
- Investing for the future is complicated
- Evolving careers, life events and priorities cloud the future
- Complex investment vehicles can be hard to understand
- How we approach investing today impacts our tomorrows
Solid Strategy + Professional Execution = Brighter Future
- Single Investment Perspective
- Invested Alongside Clients
- Speak Directly with Experts
- Secure Accounts
- No Hidden Fees
- Made for the Modern World
- Time-Tested Values
- A Strategy Tailored For You
Nobody is an Expert at Everything
- We mine our obsession for dividend stocks that reduce our risk
Our Analytic Perspective
- While no one can guarantee future results, proper value investing has worked for decades
- We search for value others miss
- Diversifying with balance for more stable returns
Great investors like Charlie Munger, Ray Dalio and Michael Tennenbaum:
- Screen with a single set of values
- Rely on disciplined analysis
- Invest in businesses they understand
We agree:
- Mark Tennenbaum is our Chief Investment Officer
- Mark and Michael have been discussing investment analysis for five decades
- Mark focuses on risk containment for the returns we expect
Value Investing for Reduced Risk
We Own About the Same Securities as Our Clients
- We’ve been investing this way for decades
- When we all hold similar investments, our interests are better aligned
Our Diverse Experience Brings Value
- From Wall St. to Main St.
- Experience in most industries in which we invest
- Deeper understanding of industry-specific issues
- We break it down from finance speak to plain speak.
We Sail Together
No Management Layers
- Schedule up to 30 minutes a month with any expert on your account
- Our experts want to know your goals/needs
- Investing alongside our experts keeps everyone better aligned
Education at Your Speed
- Podcast library with basic and advanced topics
- Weekly notes to all clients
- Regular investment security ratings
- Trade Alerts whenever we trade for ourselves and/or clients
More Meaningful Interactions
Security Matters
- Our capital demands quality protection
- We bring 20+ years of cyber-security experience
- Two account set-up eliminates many types of fraud
- You have one account with us and one account with our custodian (Charles Schwab)
- Ensures you know exactly what you own anytime on any day – strict accountability
- We leverage best of breed security
- 2-factor authentication (“2FA”)
- High security storage vault for sensitive documents
Privacy & Protection
We only charge a monthly management fee
- No brokerage fees
- No custodial fees
- No wrap-fees
- No sales commissions
- If we get it for free, you get it for free
We charge only for the value we provide
- All our investment advisory agreements are monthly – we earn our clients every day
- Keeps us better focused
- Our management fee reflects our better results
Quality & Transparency
Secure digital ecosystem
- We’ve operated digitally for many years across our businesses
- From Docusign to Zoom, do it all at your convenience
Employing the latest proven tools
- Whether emerging technology or investment theory, we evaluate it all
- Disciplined analysis before buying innovation
- Avoiding the riskiest investments (NFTs, Cryptos, SPACs, etc.)
Employing the latest proven tools
Value investing demands deeper knowledge
- We buy only companies with sustainable business models who profit-share with us through dividends
- Beyond stock price movements – we look for established businesses
- One company at a time – we do not buy entire sectors
- Management counts – we invest in talented, experienced teams
Analysis deeper than data
- We start with a view on the overall economy; then
- Evaluate various industries for future performance; before
- Screening for companies who meet our requirements: Quality management
- Meaningful profit-sharing
- Sustainable futures
Employing the latest proven tools
Your needs and goals factored into our portfolio design
Drawn from the same securities we own in our personal accounts
Selected from from the more than 500 securities we follow
Proprietary Research
- Over four decades analyzing individual companies
- Fundamental value investing principles
- Regularly publish updates to our clients
Better Advisor/Client Alignment
- We start with a view on the overall economy; then
- Evaluate various industries for future performance; before
- Screening for companies who meet our requirements: Quality management
- Meaningful profit-sharing
- Sustainable futures
Employing the latest proven tools
- Single Investment Perspective
- Invested Alongside Clients
- Speak Directly with Experts
- Secure Accounts
- No Hidden Fees
- Made for the Modern World
- Time-Tested Values
- A Strategy Tailored For You
Our Process
We are Fee-Only Advisors
Fee Structure | Fee-Only Advisors | Wrap Fee Advisors | Commission-Based Advisors |
---|---|---|---|
Fee-type | Flat fee (hourly, retainer, or percentage of assets under management) | Wrap fee (single fee for bundled services) | Commission on product sales |
Cost | Typically lower, around 1-2% of assets under management for LUL | Moderate, typically around 3% | Higher, depending on products sold including mutual funds (up to 5% of more) |
Fee Clarity | Transparent, easily determine upfront | Semi-transparent, bundled fee may obscure individual costs | Variable, commissions can be unclear and hidden |
Potential Conflicts | Minimal, advisor’s interest aligned with clients | Moderate, incentives for selling in-house products | Highest, may prioritize product sales over client interests |
We focus on Comprehensive Wealth Management.
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