About Berkeley Investment Advisors

Berkeley Investment Advisors, founded in 2002, is a Fee only advisor which means we are paid based on the value of your assets that we manage – we do not earn commissions by selling financial products or excessively trading your account. Unlike stock brokers, our fees grow only when your assets grow. This eliminates conflicts of interest and insures that our incentives are aligned with your interests. In fact, the law says that registered investment advisors must act as fiduciaries for their clients – we are required to put client interests first. Stock brokers are not legally bound to this level of duty to their clients.

Money is a very personal thing and investing is, to an extent, driven by emotions. Therefore in order to devise a strategy that works for you, we take the time to understand both your goals and how you react to risks. When we understand each other it makes investing less stressful and provides you the assurance that your investment advisor knows how to take care of your money.

Ray is a value investor. There are lots of great companies out there but what makes a great investment is a good company selling at a great price. Ray looks for companies selling for substantially less than his estimate of what they are worth. Ray takes a long term view of investments; he does not sell because a stock moved down or buy because a stock moved up. Transactions are based on expected future returns not the past, with a goal of earning 11% or more per year over a 5 year investment horizon while actively reducing risk relative to the market indices when valuations, and therefore risk of loss, are high relative to historical norms.