A b o u t  Us

ETFM is a Registered Investment Advisor (RIA) and has clients in approximately 15 different states.

At ETFM, our mission is to provide personalized investment advice and coordinated financial planning that allows our clients to pursue what is most important to them. Thomas Cloud, Jr., president of ETFM, understands that every client has unique needs.

For investment management services our firm charges an asset management fee which typically ranges from 1% to 2% per year of assets under management. This fee is billed quarterly and is charged to the client's account. Charles Schwab has been selected as Eleven Two Fund Management's primary custodian.

Eleven Two Fund Management gives investment advice that is different because it focuses on true or proper diversification. Diversifying our client's portfolios into 7 or even 8 different baskets or sectors. A Truly Diversified Portfolio (TDP).

Most advice from professionals or the media (newsletters, television, magazines, the internet, etc.) will recommend that an investor put "_% in US value, _% in US growth, _% in US large cap, _% in US small cap, _% in US bonds, and _% in US cash (currency)." Some will also add _% in international. US is in bold lettering to indicate that ultimately this is one basket, subject to the performance of the US dollar or economy (one danger).

From his research and perspective, Thomas Cloud, Jr. believes the best way to manage risk, protect the investor from multiple economic dangers, and increase the reliability of returns is to truly diversify. Different asset classes to achieve this type of diversification could include: real estate (US and foreign), precious metals, natural resources, US stocks, US bonds (short, intermediate, and/or long), foreign stocks, foreign bonds (short, intermediate, and/or long), foreign currency, and cash. Eleven Two Fund Management uses primarily no load mutual funds and ETFs to achieve true diversification for its clients. For larger accounts ($1 million+) ETFM will also recommend Separately Managed Accounts and no load variable annuities to help better control taxes.

What Makes Us Different?

The basis for our investment and financial advice.

● The investment advice we give is based on ancient scriptural principles. We encourage our clients to get truly diversified with their investments, so in the event that one or a couple of areas are not performing well others will. Utilizing this type of investment strategy (dynamic macro approach) helps to preserve capital and increase the consistency of our client's returns more so than investing most of the money in any one type of investment. Most financial advisors will only recommend US stocks, bonds, and cash. This is not good because it does not protect their client's portfolios from downturns in the US economy or dollar.

● Eleven Two Fund Management is an independent Registered Investment Advisor (RIA), which allows us to recommend the investments that are best for our clients.  We are not compensated by commissions on the recommendation of mutual funds, stocks, variable annuities, or bonds nor do we sell any of these products. Instead we are compensated directly by our clients and use Charles Schwab Institutional as our primary custodian. There are no hidden fees or commissions.

● Eleven Two Fund Management has access to around 1900 mutual funds that are made available only to investment advisors. Eleven Two Fund Management can also utilize funds with lower operating expenses and no commissions like their retail equivalents.

● We recommend our clients make biblically sound financial decisions with the money that has been entrusted to their care. For example, we believe it is good to leave money to one's children and grandchildren.

Our Independence.

We do not work for a specific broker dealer, mutual fund company, bank, or insurance brokerage firm, and therefore do not have mutual funds, insurance products, bonds, or stocks we are pressured by a parent company to recommend or sale to our clients. Eleven Two Fund Management's independence allows us to evaluate our client's situation and then make recommendations that are in our client's best interest. Please read #4 in the free eBook, "The Ten Biggest Mistakes Investors Make," to learn more about the importance of having an independent financial planner/advisor. We provide our clients the safety and name recognition of the largest financial services and insurance companies in the world in addition to outstanding personal service and attention which is something we take pride in giving our clients.

Eleven Two Fund Management does not provide legal or tax advice.