What Makes Us Different?

We differ from most of our competitors in several ways. First we are compensated exclusively by fees paid by our clients thereby allowing us to work in our clients’ best interests and solely for them. In other words, we act in a fiduciary capacity when advising our clients. Unlike us, many of our competitors receive the bulk, if not all, of their compensation (commissions) from the products they recommend. Many times there are hidden commissions and compensation fees, which are not transparent to the client. In that capacity, by law those advisors are required to work in their firm’s best interest, not the client’s. Other firms work as a fiduciary for their client only part of the time (they charge a fee part of the time) and are commissioned salespeople at other times.

The second major way in which we differ from our competitors is that we work as a team for our clients, providing personal attention every step of the way. In most firms, each advisor has his or her own set of clients. While any two advisors in the same firm may operate in a somewhat similar manner, clients almost always receive two different levels of service as well as quality of advice. At Ontime Investment, all clients are firm clients and are counseled in the same manner and receive the same innovative level of advice and hands-on, courteous service. Each of our advisors specializes in a different area and works on the clients’ behalf in a concerted manner thereby ensuring the quality of advice and level of service we are providing. Also, we take over the time-consuming task of managing client’s affairs among multiple advisors both internal and external to us. We are always eager to work with a client’s existing advisors to recommend strategies that address our client’s needs. Should a client need an advisor in a particular area that requires expertise that we do not provide, (for example a labor attorney, if we were counseling a business), we will recommend a prescreened professional who can assist in this area.

We further differ from our competitors in that we create customized solutions for our clients. One simple example of this is, oftentimes, our clients come to us with investments, which have a low cost basis. At many of our competitor’s firms, they would simply sell the asset and fit the proceeds into their Investment offering. At Ontime, a comprehensive analysis of all securities would first take place and then be discussed at length. A strategy would then be developed and agreed upon by the client. If a particular security no longer fits the portfolio, a plan of attack would be developed to liquidate it. Typically, securities with a low cost basis would be whittled down over time, utilizing losses from other securities. Not only do we have a number of investment management offerings, which can be tailored to each client’s needs, but we are constantly on the lookout for new investment strategies, which we can offer to our clients.


We have over 30 years of combined experience helping individuals, and small businesses plan for their financial needs. Having lived many "financial lives" we know what works and what doesn't. Experience is priceless in a financial arena dominated by investors and advisors who have never seen a recession or a "bear" market.


The team of Dr Tareq Ziad and other team member work together to help their clients reach their financial goals. They are fee-only financial advisors that actively manage their client's accounts by maximizing performance and minimizing their risk exposure.


We are not owned by a bank, a brokerage firm, or insurance company but are completely independent owned. We make use of no self-produced products and yet we work with the largest financial services companies in the world. Unlike most financial advisors, we can utilize both no-load and load-waived investments with our clients, meaning that we can paint from a very broad investment palette to meet our client’s needs. We utilize Institutional Class shares, which offer extremely low expense ratios, for even our clients of moderate means. Our mission is to care about our clients’ goals as if they were our own. We are like a family business partnered with some of the biggest and strongest financial services companies in the industry. We believe that with us you get the best of both worlds: financial strengths and individualized, personal attention. Ontime Investment Group offers the antithesis of the cold mega-merged financial services companies building long-term relationships with our clients.