Join Us At our Dividend growth investing workshop Aug 5th in Overland Park!
Three Streams Financial: Empowering working families, professionals, and small business owners to achieve their retirement dreams.
A fee-only investment adviser representative (IAR) based in Overland Park, Kansas. I act as a partner, providing unbiased guidance and collaboration while allowing the client to make the final decision. I emphasize personalization and focus on what you care about the most:
Our Investment Philosophy
The best investing strategies should increase returns, minimize risk, and meet investment goals; however, most investors' portfolios underperform because behavioral issues lead them to make suboptimal investment decisions. In reality, the most successful plans are ones that investors can stick with. Our personalized strategies focus on:
- Transparency: No hidden fees, no conflicts—just honest advice you can trust.
- Comprehensive Management: All your accounts, all in one place—easy access to your finances, anytime, anywhere.
- Security: Your assets and privacy are protected by top-tier custodian Charles Schwab—safety is paramount.
- Experience: 25+ years in finance—offering real advice and active risk management, always in your best interest.
- Personalization: Independent advice tailored to your unique life—I've faced your challenges and am here to help.
Founder | Portfolio Manager
Daniel Gould
I am an independent investment adviser representative (IAR) based in Overland Park, KS. My financial services are available to individuals, families, professionals, and small business owners nationwide. With over 25 years of experience in the financial markets, I offer successful trading and portfolio management strategies developed in institutional settings.
I am a fiduciary under the Investment Advisers Act of 1940. This means I am held to a strict fiduciary duty, which has two components: a duty of care and a duty of loyalty.
- The duty of care requires me to provide impartial and objective advice in my client's best interests, based on their specific circumstances and investment objectives.
- The duty of loyalty component requires me not to place my interests ahead of my clients and to provide complete and fair disclosure of all material facts related to the advisory relationship, including fees and conflicts of interest.
Frequently Asked Questions
A: Yes. I am registered as an Investment Advisor Representative (IAR) under the Investment Advisors Act Of 1940. Under this federal requirement, if you’re acting in an investment adviser representative (IAR) capacity, you’re a fiduciary. As a fiduciary, I am legally obligated to put my client's interests ahead of mine and act in my client's best interests at all times. This means that I must provide advice that is suitable for my client's needs and risk tolerance and must disclose any potential conflicts of interest.
A: You can search for registrations at the SEC’s Investment Adviser Public Disclosure Website: https://adviserinfo.sec.gov/ (My CRD#: 2131294)
A: The Fee-Only compensation method is considered the most transparent and objective method for financial advice. This compensation model helps to minimize conflicts of interest and guarantees that your financial advisor acts as your fiduciary, putting your interests first. Fee-only advisors are paid only by their clients for advice, plan implementation, and the ongoing management of assets.
A: Yes. I’ve chosen Charles Schwab to be the custodian for all my clients. The first thing to remember is your securities—like stocks, bonds, mutual funds, exchange-traded funds, or money market funds—held at Schwab are yours. The SEC's Customer Protection Rule safeguards customer assets at brokerage firms by preventing firms from using customer assets to finance their own proprietary businesses. I can also rest easy at night knowing that Schwab holds itself to the highest security standards when it comes to safeguarding my client’s assets. You can learn more about how your assets are protected by Charles Schwab at https://www.schwab.com/legal/account-protection.
A: We take nothing for granted. We have the independence of a boutique financial firm, but we’re backed by the power of CreativeOne Wealth, LLC, a revolutionary asset management platform and Registered Investment Advisory (RIA) firm. CreativeOne provides back-office support, ensures compliance, and continuously monitors privacy protection. You can learn more at https://adviser.creativeonewealth.com/tech.
A: First, RIAs are legally obligated to act in your best interest. They also tend to provide more personalized services. Since they aren't paid on commission, they don't have an incentive simply to deal with only when selling something. RIAs typically have transparent fee structures, often charging a percentage of assets under management or a flat fee, which aligns their interests with yours.
Many investors are unaware of, or confused about, the various fees they may pay when investing. Not my clients! We believe in Fiduciary transparency. Our fee schedule is 0.50% to 0.95% of assets under management annually. We can also negotiate a flat fee for outside investment advice. Our minimum account size is $500,000 of investable assets. However, our services are also available to active accumulators under 45 with a minimum of only $300,000.