Personalization
Before designing your portfolio, we want to FULLY understand your financial goals, needs, priorities, risk appetite, time horizon, liquidity restraints, charitable intent, and tax considerations. Only then can we design an asset allocation plan customized for you, aimed at maximizing your return for your desired level of risk. “We follow an evidence based, time tested, and structured investment approach aimed at growing and preserving your portfolio over time.”
Diversification
Holding securities across many market segments, domestically and internationally, can help manage overall risk and optimize returns. We’ll build you a globally diversified portfolio using a combination of individual securities, exchange-traded funds (ETFs), and low-cost, institutional passively and actively managed mutual funds. When appropriate for your situation, we’ll also utilize alternative and private investments as part of your asset mix, gaining exposure to certain investment opportunities you may not be able to access on your own.
Diversification
Low-Cost
We aim to maximize your portfolio’s net, after expense performance. Our lean approach includes carefully scrutinizing trade costs and expense ratios and only paying a premium over conventional indexing where we think there is value beyond the costs.
Tax Efficient
It’s not what you earn that’s important; it’s what you keep. We’ll build your portfolio with a close eye on your current and future tax picture to maximize your after-tax portfolio returns. Proper placement of investment vehicles in your different accounts based on their tax characteristics is critical to minimizing the tax drag on your portfolio, as is the opportunity to tax loss harvest when we experience bouts of downside market volatility.
Tax Efficient
Proactive
Managing your portfolio is like tending to a garden. Certain parts of the garden grow really well and need to be trimmed back so they don’t overtake the garden. Other parts struggle and need to be replanted. Market and economic conditions change over time, as does your portfolio composition. We frequently review your portfolio, looking for opportune re-balancing trades; selling winning assets at a high and simultaneously purchasing depressed assets at a low; while maintaining an appropriate level of risk.