No-Load Asset Management

No-Load Asset Management provides personalized, fee‑only financial planning and investment management to individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations and small businesses, managing approximately $66,766,132 across about 219 accounts. Advisory services include determination of financial objectives, cash‑flow and tax planning, insurance review, education and retirement planning, and ongoing investment management.

The firm uses a proprietary Passive Momentum Asset Allocation (PMAA) process that applies prior‑year momentum to determine allocations among passively managed index funds and ETFs within a globally diversified, strategic asset allocation framework. Portfolios are implemented primarily with no‑load mutual funds and ETFs through discount brokers, managed on a discretionary basis, and clients receive quarterly written allocation summaries and investment policy statements.

Noteworthy features include the explicit use of a momentum‑based proprietary allocation system and an owner‑operated structure overseeing roughly $66.8 million in AUM; the adviser accepts limited power‑of‑attorney discretionary trading but does not vote client proxies unless assistance is requested. The firm also documents custodial fee invoicing procedures, maintains a business continuation agreement with another advisory firm, and uses multi‑factor authentication and other information‑security measures for client account access.