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Not everyone needs or wants a full time financial overseer.

But if you do ...

Look for one who really understands that investment management is just one part of a much bigger job.  

Because  wealth management is very different from an investment advisor's job of investing without concern for an individual client's level of volatility, risk capacity, or after tax returns.

Because key elements of a good plan, like tax efficiency over time, insurance safety nets or estate planning decisions are less readily measured and need to respond to your evolving personal circumstances and goals.

Because it should meet your goals, with the minimum risk required to get you there.  

So, what IS our investment approach?

Our core portfolios are tailored to address your short and long term goals, tax optimization, and risks as well as possible returns.  

We understand that distribution portfolios supporting an individual's Next Act or non profits' endowments, have very different demands than accumulation portfolios. The latter can be well served by low cost index funds.  The former, less so:  Distribution portfolios require more sophisticated understanding of macroeconomic conditions, credit markets and income tools available.  

Whether we're designing a new portfolio, providing you with a 'second opinion' on your current holdings, or actually managing your investments for you,  a goals directed core portfolio is structured to:

  • Customize the portfolio to your particular circumstances, preferences and cash flow requirements;
  • Utilize the lowest cost funds that meet your needs;
  • Mitigate portfolio risk through diversification;
  • Maximize investors' after tax returns  by defining and implementing an ongoing, pro-active tax plan.
  • Consider asset class valuations and facilitate risk management and rebalancing.

The wealth management service can be particularly helpful when investing large lump sums of cash.