LETTER FROM THE FOUNDER

To our Clients and Prospective Clients:

I am pleased to introduce Thrift Financial, a firm I founded to provide investment services to institutions and families. Thrift is different from many other investment consulting organizations.

Thrift Financial is a Registered Investment Advisor and Investment Fiduciary. The business is legally structured always to place the interests of our clients ahead of any employee or business interests. Equally important, we are culturally oriented to place the interests of our clients first. We often partner with firms like Fidelity, Charles Schwab, and Vanguard to keep our client’s investments safe.

At Thrift Financial, we focus on helping clients improve their investment portfolio returns while reducing the risk and costs associated with managing those investments. We spend considerable time understanding our client's investment goals, risk tolerances and aim to structure clients' investment portfolios within those stated parameters.

Thrift is a privately held investment organization that has invested in current technology that aids the investment process and reduces the operating cost of the business. As a privately held firm, we do not have the quarterly return focus of most publicly traded companies. Instead, we take a long-term outlook with our clients and partner organizations, hoping this focus will lead to a mutually beneficial working relationship. Our clients always drive the investment time horizons, but we find that those clients that assess the success of an investment portfolio over three to five years align most closely with our firm's orientation.

We often work with institutions in analyzing the quality and cost competitiveness of their investment holdings. We partner with institutions to assess portfolio structure and strategy and improve these critical areas. We work with select individual clients and their families to build high-quality, lower-cost portfolios that better match their personal return goals and risk tolerance.

If you have not worked with Thrift Financial, I encourage you to contact us for a more personal and extensive introduction to the firm. I believe you will find our client-centric orientation, investment-focused culture, service commitment, and low-cost compelling reasons to begin a relationship with our organization.

Regards,

George A. Antonak

President

Thrift Financial, Inc.

Additional information on Thrift Financial can be found on the SEC website, linked here.

Founder's Promise to ALL Customers

Our Clients Come First. Not only are we investment fiduciaries legally bound to place our client's interest ahead of all others, but our firm is also culturally oriented to always place our clients' interests ahead of our firm and any individual interests.

We are Responsive and Accessible to our Clients. We understand that our client's financial matters are impacted by events occurring seven days a week, and we promise to be available and responsive to our clients on their schedules to address their investment needs.

Understanding Client Risk Tolerance is Essential. Thrift is focused on understanding the risk tolerance of our clients. We recognize the importance of measuring clients' risk tolerance in building an investment portfolio that allows a client to remain invested across market cycles.

Financial Plans are Important. Thrift believes in the criticality of establishing investment goals and building a financial plan for all clients. Therefore, we offer complimentary financial plans to all individuals and families.

Investment Expenses Matter. We are committed to reducing the cost of investing for institutions and individuals while not sacrificing returns or increasing risks. We promise to be transparent about all fees and continually focus on balancing investment costs and maximizing client returns within their risk tolerances.

Thrift's Goal for All Clients. Our focus is to deliver well-diversified investment portfolios that meet or exceed the clients' investment goals and match their unique risk tolerances.

George Antonak's Professional Experience

After two decades in investment and wealth management, George founded Thrift Financial, working with institutions and individuals across the United States and Canada. Before founding Thrift Financial, he held senior executive roles with four multi-billion-dollar financial services organizations, overseeing individual and institution client assets and investment portfolios.

George has worked closely with individuals and families, helping build their investment portfolios through investments across public and private equities and fixed-income investments. He has extensive professional experience working with institutional clients creating investment policies, assessing asset allocation, risk analysis, investment selection, and cost analysis. In addition, George has worked closely with large and middle-market plans covering health companies, insurance, state and local government, Taft Hartley, endowments, and foundations in both their retirement and operating funds.

George received a Master's of Business Administration from Cornell's Johnson Graduate School of Management and graduated with a Bachelor of Business Administration with honors from the University of Michigan, Ross School of Business. George holds a series 65, 24, and 7 licenses and is a member of the CFA Institute and a member of the CFA Society Chicago.

You are welcome to seek additional information on George's professional experience, found on his Linkedin profile and the SEC website.

Copyright © 2024 Thrift Financial, Inc. - All Rights Reserved. Thrift Financial, Inc. is a registered investment adviser offering advisory services in Pennsylvania and other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons or institutions of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by Thrift Financial, Inc in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or under applicable state exemption.

All written content on this site is for information purposes only. Opinions expressed herein are solely those of Thrift Financial, Inc. unless otherwise cited. The material presented is believed to be from reliable sources, and our firm makes no representations of other parties’ informational accuracy or completeness. Before implementation, all information or ideas should be discussed with an advisor, accountant, or legal counsel.

LETTER FROM THE FOUNDER

To our Clients and Prospective Clients:

Founder's Promise to ALL Customers

George Antonak's Professional Experience

My Blog