Why Do I Need An Advisor?
The True Market Portfolios™ are exclusively available through our Investment Advisor Representatives and Co-Advisor Partners. All of our financial professionals are fiduciaries and must put your interest ahead of their own.
Planning
Investment strategies are not magic bullets. No one vehicle can solve all your future needs. We recognize that you need a financial advisor who can answer questions across the spectrum of planning including: retirement, business evaluation, college financing, taxes, health and long-term care planning and more. Selecting the right investment strategy is only a piece of a very large puzzle.
Bad Habits Die Hard
It is human nature to flee from things that cause discomfort and gravitate towards things that give you relief. Unfortunately, that works against you in investing. During the financial crisis of 2008 investors suffered losses over 38%*in the Small-Cap market and fled for traditional "safe havens" like Long-Term Government Bonds which posted a 28.5%gain. Unfortunately, 2019 saw a bounce back the other way with Small-Caps earning 47.5%* and Long-Term Government Bonds falling almost 15%.Emotional responses to market shifts work against investors. Disciplined investors who stayed on track were rewarded for their patience, while those who exited after the crash, locked in losses and made the situation even worse looking for a quick fix.
*Source: Quantitative Analysis of Investor Behavior, 2019, DALBAR, Inc.
Meet the Team
Anthony R. Cloutier, Founder & Director of Advisor Development
Prior to founding Truth of Investing, Anthony served as a Senior Analyst in the financial sector, involved in mergers and acquisitions. An Economist at heart, Anthony was frustrated by the lack of evidenced based investing programs available to retail investors. He initially launched the company in 2013 as a education and research think tank, to show the benefits of risk-adjusted passive investment. In 2019 Markowski Investments purchased Truth of Investing to expand their offerings.
Lance Cherry, Advisor & CFS®
Lance has had an extensive background in the financial industry since 2006. Lance is a fiduciary, meaning he puts your best interest above all. He strives to find solutions for retirement and wealth planning goals, so that his clients may enjoy the type of retirement that they have always desired. He works with individuals and business owners alike on ways to help them reach their unique goals and also works with group retirement plans, defined benefit plans etc. Lance holds a Series 65 and a Certified Fund Specialist designation, as well as a life insurance license. The CFS certification, is from the Institute of Business and Finance (IBF) for their expertise in mutual funds and the mutual fund industry and is one of the oldest certification designations in the mutual fund industry.
Chris Markowski, Partner & Advisor
Prior to the start of Markowski Investments, Chris worked on Wall Street as an investment banker. Since 2002 he has hosted of one of the longest running financial radio shows in the country, The Watchdog on Wall Street Radio Show. Chris has appeared on Fox News, Fox Business, CNN, and many other media outlets. On his radio show, he warned about the dot-com bubble and the 2008 financial collapse even before they occurred.
Michael Markowski, Partner & Advisor
With over two decades of investment advisory experience, Michael Markowski leads operations, on-going business development, and research for the firm. He ensures that client experience is excellent from the first contact and throughout the engagement. Michael has always focused on creating lasting relationships with new and existing clients of the firm.
Matthew Markowski, Partner & CFP®
Matthew Markowski has been helping clients grow and protect their assets since 1999. He has helped clients navigate up and down markets with a long-term view. In addition to being a Certified Financial Planner®, he has broad experience in providing investment management and financial planning services for his clients. Matthew is proud that his loyal client base has been with the firm for almost two decades.
Joshua Markowski, ChFC®
Joshua was one of the youngest registered Investment Advisors in history. He is also dually registered as a Securities Principal and an Options Principal. He is a Chartered Financial Consultant® and received his education at the American College of Financial Services. Joshua’s main focus is on developing new client relationships and the ongoing operations of the firm.