Why ENGARDE INVESTING? Tom, our founder, retired from the investment business in 2003. Over the next decade, he became increasingly concerned about industry conditions that were hurting investors. So, in 2015 he began an intensive study of investments and personal financial planning with one purpose – finding a better way for middle-class families to invest their money and achieve their goals. 4 OBSTACLES TO YOUR FINANCIAL DREAMS: Three decades of experience have taught Tom that the financial dreams of middle-class families – your dreams – can be delayed, diminished, or destroyed by 4 OBSTACLES: COSTS of investingCONFLICTS of interest (advisor)COMPETENCY level (advisor)CONSISTENCY of results 4 SOLUTIONS ARE ENGARDE'S FOUNDATION: After studying 20 highly-regarded books on investing (4,000+pages) and undergoing the extensive training required for 3 certificate programs, Tom created ENGARDE to overcome those 4 obstacles with these 4 SOLUTIONS:COST-EFFECTIVE investingCUSTOMER-FIRST standards (FIDUCIARY)COMPETENT representativesCOMPETITIVE results (diversified index funds) All investment programs involve some level of cost and all investment advisors have some inherent conflicts of interest. The experience and training of investment representatives varies widely, sometimes even within the same firm. As a fee-only investor adviser, we do not sell funds for a commission.