Comprehensive management for your household
Your family’s portfolio of investments should reflect your financial condition, goals, and values. We provide you with advice on all of your financial resources and through a collaborative approach, offer ongoing professional management of your legacy.
Common Stocks
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Corporate Bonds
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Treasuries
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Preferred Stocks
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Commodities
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Real Estate
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Exchange Traded Funds
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Mutual Funds
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Hedge Funds
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Annuities
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Insurance
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Derivatives
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Common Stocks 〰️ Corporate Bonds 〰️ Treasuries 〰️ Preferred Stocks 〰️ Commodities 〰️ Real Estate 〰️ Exchange Traded Funds 〰️ Mutual Funds 〰️ Hedge Funds 〰️ Annuities 〰️ Insurance 〰️ Derivatives 〰️
Personal Values
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Taxation
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Regulations
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Personal Biases
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Time Horizon
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Risk Tolerance
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Assumptions
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Personal Values 〰️ Taxation 〰️ Regulations 〰️ Personal Biases 〰️ Time Horizon 〰️ Risk Tolerance 〰️ Assumptions 〰️
Capital Preservation
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Income
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Growth & Income
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Growth
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Aggressive Growth
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Capital Preservation 〰️ Income 〰️ Growth & Income 〰️ Growth 〰️ Aggressive Growth 〰️
Custom portfolio design
In our approach to custom portfolio design, we utilize a broad range of tools to create a portfolio that is not only tax-conscious but also aligns with the unique values of each investor.
Personalized Equity
Our personal equity strategy operates by directly owning listed public companies. This gives us the ability to manage taxes more effectively and provide greater portfolio customization, including the ability to align investments with your personal values.
Active Fixed Income
Active fixed income strategies play a significant role in our portfolio construction. By actively managing bonds, we are able to respond to changes in interest rates and credit conditions, which can help enhance returns and manage risk.
Alternatives
Real estate, long-short funds, hedged equity, currency, commodities and other alternative asset classes can play an important role in portfolio construction due to their uncorrelated relationship with public equities and fixed income.
Exchange Traded Funds
Exchange Traded Funds (ETFs) offer the benefits of diversification, similar to other funds, while also providing the flexibility to trade during the day, like individual stocks. This distinction allows us to manage taxes more efficiently and gain exposure to various asset classes and sectors at a low cost.
Professional management
Discretionary asset management
By leveraging discretionary asset management you benefit from the convenience of time saving and peace of mind, economies of scale, efficiency of trade-execution, and objective thinking.
Investment due diligence
Our due diligence process includes qualitative analysis of securities with timely updates regarding financial statements, press releases, insider shareholder activity, and more. We believe consistent thorough analysis is paramount to an investment strategy.
Daily portfolio oversight
While we may utilize passive strategies such as direct indexing to invest your portfolio, you will still have daily monitoring. We track the changes and progression of each security which allows for strategic deviations from a one size fits all strategy.
Tactical rebalancing
As time passes, your portfolio may benefit from rebalance. This can be due to changes in your portfolio value or in your life. We consider tax consequences and benefits, measured portfolio risk, and market circumstances when determining how and when to rebalance your portfolio.
Model asset-allocations
Our asset allocations target a portfolio loss tolerance and invest accordingly to maintain efficiency across the risk/return spectrum. These models act as starting points for individual portfolio construction and leverage Modern Portfolio Theory in their design. A loss tolerance is not a guarantee against loss, rather a target floor in the event of downward price fluctuation, or volatility.
A Loss Tolerance is not a guarantee against loss of any amount.
Capital Preservation - No Loss Tolerance
Target rate of return 5.05%
Risk (standard deviation) 0.80%
Capital Preservation - 5% Loss Tolerance
Target rate of return 6.93%
Risk (standard deviation) 2.70%
Income - 10% Loss Tolerance
Target rate of return 7.40%
Risk (standard deviation) 4.90%
Income - 15% Loss Tolerance
Target rate of return 7.72%
Risk (standard deviation) 6.50%
Growth & Income - 20% Loss Tolerance
Target rate of return 8.04%
Risk (standard deviation) 8.00%
Growth & Income - 25% Loss Tolerance
Target rate of return 8.41%
Risk (standard deviation) 9.90%
Growth - 30% Loss Tolerance
Target rate of return 8.84%
Risk (standard deviation) 12.00%
Growth - 40% Loss Tolerance
Target rate of return 9.32%
Risk (standard deviation) 14.50%
Aggressive Growth - 50% Loss Tolerance
Target rate of return 9.64%
Risk (standard deviation) 16.30%
Institutional flexibility
As an independent registered investment adviser and fiduciary we maintain advisory privileges with a variety of financial institutions to fit your needs. This includes traditional and discount brokerages, asset manager’s fund families, and insurance companies. This coverage spans most major employer sponsored plans including 401(k), 403(b), 457, TSP, and others.
