Sabela Capital Markets

Invest Smarter

What We Do

Our loyalty is only to our clients, whose best interest we guard vigorously.


Sabela Capital Markets was built on integrity and transparency. Our professional advice is motivated only by what’s in your best interest. We have no hidden fees and don’t receive kick-backs or commissions from anyone. We are compensated only and entirely by you, our clients.

Investment Management

We develop and manage a line of returns-optimized, globally diversified portfolios of Vanguard and Dimensional Fund Advisors mutual funds, including Sustainable Investment Strategies (ESG/SRI).

For ongoing investment services we charge one low and fair fee that is based on percent of assets under management (AUM). You can see how our fees compare with other advisory firms here.

WHAT’S INCLUDED

  • →  Identifying your risk capacity
  • →  Determining your optimal asset allocation
  • →  Investment selection
  • →  Ongoing portfolio monitoring
  • →  Portfolio rebalancing
  • →  Behavioral finance advice
  • →  Asset location strategies
  • →  Tax loss harvesting
  • →  Performance reports
  • →  Biannual check-ins
  • →  Here when you need us

    • HOW MUCH DOES IT COST?

  • ⋅  0.80% for first $500k
  • ⋅  0.65% for next $500k
  • ⋅  0.50% for next $1M
  • ⋅  0.35% for next $3M
  • ⋅  0.20% for next $5M
  • ⋅  0.15% above $10M

    • Investment Advisory Services

    We can provide professional insights, actionable solutions, and ongoing guidance for your investments.

    We specialize in choosing appropriate, returns-optimized investments for your 401k, 403b, 457, IRA, Roth, SEP, and other retirement accounts. We can help your peace of mind by focusing only on those actions that add value and that help your odds of investment success over the long term.

    WE ANSWER THE IMPORTANT QUESTIONS

  • →  What funds should I chose in my 401k plan?
  • →  Am I invested in quality securities?
  • →  Is my current portfolio optimal?
  • →  Am I taking too much or too little risk?
  • →  Am I diversified?
  • →  Am I paying too much in fees and commissions?
  • →  Am I on the right track for retirement?

    • HOW MUCH DOES IT COST?

  • ⋅  Our starting rate is $350.
  • ⋅  Fee depends on complexity of project.
  • ⋅  We offer a 6-month limited engagement for $500.
  • ⋅  Total cost will be explained and agreed upon in advance.

    • College Funding

    We help college-bound families navigate education funding strategies and save not just for the cost of college, but also on the cost.

    HOW MUCH DOES IT COST?

  • ⋅  Our starting fee for college funding is $500.
  • ⋅  Total cost will be explained and agreed upon in advance.

    • College is outrageously expensive. And it will only get more expensive by the time your kids are ready to apply. Preparing for college expenses is not just about choosing the right 529 savings plan. That’s usually the least complicated piece of the puzzle and in many cases it’s not even the most important one. There are many other significant factors that can help you determine which college you can afford.

    Pro Bono Services

    One of our explicit goals is to replace speculation with investment education. That is why we gladly offer free speaking engagements, presentations, and pro bono investment advisory services.

    SPEAKING ENGAGEMENTS

    We offer free speaking engagements and presentations for groups seeking information about investing, capital markets, and college planning. The content of these presentations will vary depending upon the needs of the attendees. Topics include: evidence-based vs conventional approach to investing; key investment principles; financial science and economic theory; behavioral finance; 529 plans and saving on the cost of college.

    PRO BONO INVESTMENT ADVISORY SERVICES

    Our mission is to help individuals and families improve their odds of investment success. We believe that everyone deserves trusted, knowledgeable, and experienced advice when it comes to investing and building wealth, regardless of income, savings, or age. We also understand that not every individual or family is able to pay for investment services. Indeed, it is those who can’t afford investment advice that may need assistance the most when it comes to saving for the future. That’s why we offer free investment health check-ups. We can help you determine how much to save, where to open an account, and the asset allocation that may help improve your odds of investment success.



    Our Values

    Sabela Capital Markets adheres to and advocates for the Fiduciary Standard Best Practices. Our core fiduciary duties include: Serving in the client’s best interest; Acting in utmost good faith; Acting prudently, with the care, skill and judgment of a professional; Avoiding conflicts of interest; Disclosing all material facts; and Controlling investment expenses.

    Sabela Capital Markets is founded on the following principles:

    Honesty and transparency
    Advising, not facilitating
    Investing, not speculating
    Conviction in our philosophy
    Confidence in our advice
    Commitment to our approach
    Empowering you with information
    Managing your emotions and biases
    Focusing on you
    Setting expectations
    Filtering out the noise
    Not being everything to everyone
     
     

    Other Types of Fees

    Sabela Capital Markets does not get compensated by third parties. We do not and shall not receive any portion of any third-party fees and costs. We are paid exclusively by our clients.

    Clients may incur certain charges imposed by custodians and other third parties such as custodial fees, wire transfer and electronic fund fees, and other fees and taxes on securities transactions. Mutual fund and exchange-traded funds also charge internal management fees, which are disclosed in a fund’s prospectus. Such charges and fees are exclusive of and in addition to our fee.

    Custodial Fees

    We recommend TD Ameritrade Institutional for custody of your investments. TDA is one of the top 3 custodians and maintains a reputation for cutting-edge technology and outstanding client service. At TDA, execution services for Dimensional Funds Advisors products are also the lowest in the industry, $9.99 per transaction. However, clients may custody their assets at a custodian of their choice.

    Mutual Fund Fees

    We use Vanguard and Dimensional funds in our portfolios. Vanguard and Dimensional do not charge load fees, sales charges, redemption fees, or 12b-1 fees. Their expense ratios are among the lowest in the industry, on average lower than 98% of category peers (for Dimensional, that’s .38% vs 1.18%)*.

    How We Work With You

     

    *Morningstar Category Average

    Sources: see Appendix.

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