Fee-Only Investment Management

• Your money manager does not sell, and has never sold, securities, mutual funds, insurance, or any other “financial product” for commission compensation. Mary Coughlin does not offer any other “financial advice” for commission compensation. Your assets are managed by an independent, fee-based only, money manager, not a “financial advisor” or “wealth manager.”

• Your money manager reports performance net of fees. Always. Barnegat Bay finds funds that outperform, net of fees, or buys index funds. Many mutual funds underperform their respective indices and Barnegat Bay recommends only outperforming funds.