DILDAY & ASSOCIATES: WE ARE HERE FOR YOU
When it comes to investing, trust is important. That is why we place particular value on personal relationships with our customers. We view ourselves as your partner in all things financial and will help you develop and implement a plan based on your needs.
When opening Dilday and Associates, N. Jack Dilday carefully considered his professional mission:
"Work to improve our clients' long-term investment performance by reducing risk and cost, and to invest intelligently by implementing an academically-structured investment model, thereby replacing traditional models that embrace rampant speculation and emotionally-driven market decisions."
Having over 40 years experience as an investment advisor, Mr. Dilday understands the challenges that investors face. He hears the same concerns:
- "How can I have faith in a market that appears so volatile?"
- "How can I possibly save money when the cost of investing is so high?"
- "How can I make money in a market which experts aren't able to predict?"
- "Which assets are best to prepare for my future?"
It is questions like these that prompted Mr. Dilday to look for a different way to answer them. He found PGR Solutions.*
PGR Solutions offers passive-investment strategies that aim to address three common concerns:
- High investment costs;
- Unpredictable market fluctuations;
- Reactionary investment decision-making.
Using the PGR model, clients' investments are structured to work with natural market fluctuations. The PGR model is based on academic research and is diversified to reflect world-wide markets. This model has become the cornerstone of most client portfolios at Dilday and Associates.
Each client has unique circumstances and goals. At Dilday and Associates, we tailor your portfolio to address those circumstances as they change and grow. With a variety of investment tools, from the PGR model to high interest-bearing cash accounts, we strive to provide you the highest level of service.
*PGR Solutions, LLC (PGRS) is an investment advisor registered with the Securities and Exchange Commission. The PGRS GAAS Portfolios are made up of funds managed by Dimensional Fund Advisors (DFA).
Dimensional Fund Advisors is an investment advisor registered with the Securities and Exchange Commission. Consider the investment objectives, risks, and charges and expenses of the Dimensional funds carefully before investing. For this and other information about the Dimensional funds, please read the prospectus carefully before investing. Prospectuses are available by calling Dimensional Fund Advisors collect at (310) 395-8005; on the internet at www.dimensional.com; or, by mail, DFA Securities Inc., c/o Dimensional Fund Advisors, 1299 Ocean Avenue, Santa Monica, CA 90401.
PRICIPAL RISKS OF INVESTING
The principal risks associated with an investment are fully described in the prospectus in the section called "Principal Risks." The value of an investment will fluctuate based on economic, political, and stock-specific events, and there is a chance you will lose money. Small company stocks may fluctuate more in price than those of large companies. Stocks of non-US companies may also fluctuate due to these factors and expose investors to fluctuations in currency exchange rates. The stocks of companies in emerging markets are subject to additional risks due to the unstable nature of some governments and the small and illiquid nature of their securities markets. The use of derivatives to hedge specific risks may increase expenses, and there is no guarantee that a hedging strategy will work. Past performance is no guarantee of future results.