Investment (or portfolio) management is the building of and care over our clients’ investment assets. The appropriate portfolio depends on a client’s personal goals which are explored during our financial planning process. The best portfolio is one where every investment dollar is working for our client and/or serving a specific purpose.
We actively manage portfolios and make changes as we deem necessary. We employ a proprietary system of leading indicators that measures the current economic and market environment. This data is used to adjust the portfolio’s asset allocation, positioning clients slightly more aggressively or defensively according to our assessment of the ever-changing investment environment. We typically use Exchange-Traded Funds (ETFs) to access targeted investment exposure.
Our decades of collective investment management experience guide our decisions. Our Investment Committee meets frequently to review client investments, discuss changes, and assess potential future investments. We manage all types of investment accounts ranging from IRAs to Trusts. We work with major leading custodians, Charles Schwab and TD Ameritrade, to custody our clients’ assets and fulfill trades.
Your plan dictates what your portfolio should look like, not the other way around. Money is a tool, not an end. How can we use that tool to help you achieve your goals in life? Your investment portfolio will be constructed to support your plan and, by extension, your life goals. The best benchmark for your portfolio is how well it is meeting the needs of your plan.
active asset allocation
portfolio risk management
Certain types of investment accounts (e.g., taxable, Traditional IRA, Roth IRA) have different tax treatment. Certain types of investments create taxable events (e.g., dividends, interest payments, capital gains). When possible, we manage which types of investments are held in which types of accounts to optimize tax-efficient investing.
socially responsible investing
Investing in a way that is also conscientious of broader social and environmental factors is becoming increasingly popular. ESG (Environmental, Social, and Governance) ratings evaluate investments on possible negative impacts to larger society in these areas.