As firm believers in Modern Portfolio theory, we design bespoke investment portfolios for each of our clients based on your individual needs. In concert with your target asset allocation, we provide a tactical overlay taking into account real-time market and economic data, providing your portfolio with additional alpha.
A key component of our approach to portfolio management is an assessment of risk tolerance. Through the discovery process, we work with you to determine the level of risk you are comfortable assuming in order to achieve your financial goals. We often find when new clients come to us that they may have inadvertently exposed themselves to more risk than necessary based on their goals, and we are equipped to select the right strategy in helping you to mitigate that risk.
We believe determining the right asset allocation for an individual or family is more than simply checking off boxes and plugging a few answers into a pre-programmed model. Rather, we believe the most “efficient” portfolio could be inappropriate if it doesn’t allow you to sleep at night and that the real skill of an advisor is our ability to marry the most suitable allocation with a client’s true risk profile. In some cases, we partner with carefully selected, highly qualified specialists for the management of stocks, bonds, and other investments.
In addition to focusing on portfolio allocations across asset classes, we help to allocate your investments among various types of investment accounts that can have a material impact on the real return you earn. For example, we may advise clients to place non-tax efficient, income producing investments in tax-deferred accounts and place investments eligible for more favorable capital gains tax treatment in taxable accounts to optimize the return the client or their family is able to preserve.
Estate & Legacy Plan
Aspirations for Returns
Market Cycle Position
General Market Under / Over-Reaction
Active vs. Passive Management
% Taxable Fixed Income
% Tax-Exempt Fixed Income
% U.S. Equity
% International Equity
% Emerging Market Equity
% Real Estate
Mid to Long Term Relative Performance
Stability of Investment Team
Style Compatibility with Our Outlook
Investment Fit with Current Holdings
Monthly Detailed Updates
Quarterly Conference Calls
Consistently Maintaining Alternative Options
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