Investment Management
A disciplined, transparent approach to managing your wealth. No guesswork, no hidden agendas, just strategies designed around you.
You’re unique and your situation is specific to the needs of you and your family. Each client is very different with their own set of assets, concerns, and goals.
We strongly believe that your investment portfolio needs to reflect your current circumstances, customized to your risk tolerance, tax situation, and return objectives.
With that in mind, we take the time to go through a comprehensive five-step process with you to determine the right portfolio for you, your family, or your business.
A methodical approach ensures your investments align perfectly with your goals, risk tolerance, and life circumstances.
Understand your goals, objectives, and complete financial picture.
Determine the optimal mix across asset classes for your situation.
Document your investment strategy, constraints, and guidelines.
Execute the strategy with attention to tax efficiency and costs.
Ongoing oversight and adjustments as your life evolves.
What are your goals and objectives for your portfolio? We ask this question first because we want to achieve a comprehensive understanding of your personal and financial situation.
To do this, we work with your accountant to better understand your tax considerations and minimize your tax liability. If you are close to retirement or selling your business, we will look at account structuring and developing a financial plan.
Meeting with your attorney helps us understand your estate plan, ensuring your portfolio maximizes the assets passing to your heirs and beneficiaries.
We manage portfolios across the entire allocation spectrum. The best allocation is the one tailored to your situation—one you’ll stick with through market volatility.
Your asset allocation determines the expected returns and the potential downside value of your portfolio. This decision is critical, so we work carefully with you to decide what percentage of your assets will go into each asset class.
We have no preference or bias to any portfolio allocation, as we manage portfolios across the asset allocation spectrum. We believe the best portfolio allocation depends on your unique financial situation—the one that you will not abandon when challenging market environments occur.
The IPS states the asset allocation agreed upon for your portfolio. The IPS details the objectives of the portfolio specifically in terms of risk and return.
It also includes any investment constraints that need to be considered as we build and manage your portfolio.
We diversify across asset classes to mitigate risk. We focus on taxes, expenses, and asset placement, too. Liquidity accounts are set up when necessary to meet your cash flow needs.
After setting up your accounts or moving existing accounts under our supervision, we begin to implement the portfolio according to the agreed asset allocation.
Depending on your situation or requirements, your money will be invested immediately, while other times we may use dollar-cost-averaging or a periodic purchase plan.
At this point, we pay close attention to asset location, an essential element in proper portfolio implementation. We determine what assets should go in taxable accounts and what assets should go in tax-deferred accounts.
We continue to monitor and rebalance your portfolio per your Investment Policy Statement. We send you quarterly reports, and you have full access to your custodian dashboard for real-time updates.
We meet with you periodically to keep current with your financial situation, to answer any questions you may have, and to make sure your portfolio and the allocation remains appropriate for you.
Life changes. Markets change. We stay engaged with your portfolio and your circumstances to ensure your investment strategy continues to serve your evolving needs and goals.
We believe the best portfolio asset allocation is the one that you will not abandon when challenging market environments occur.
We have no preference or bias to any particular allocation. We manage portfolios across the entire spectrum, from conservative to aggressive, based solely on what’s right for each individual client.
Our fee-only fiduciary structure means our advice is always in your best interest, not influenced by commissions or product sales.
