Our goal is to help you preserve and protect what is most important to you and your family and help you maintain or build the independence we all strive for. To accomplish this, we employ many of the same methodologies for our Private Clients that we utilize in our institutional engagements. Our experience and acumen developed over many years working within the institutional investment fiduciary space enables us to provide you access to many of the nation’s most acclaimed asset managers and product providers in a cost-sensitive manner. These include separately managed account programs and strategies, Institutional Mutual Funds, Exchange Traded Funds (ETFs), alternative investments, and other strategies appropriate for meeting your sophisticated investment needs.
Our advisory services are engaged on a fee-basis, and we operate under the Fiduciary Standard of Care with clients. Our fee-based approach also ensures you will receive unbiased recommendations across your portfolio and non-portfolio assets.
Our philosophy focuses on the importance of asset allocation in diffusing risk (spreading assets over several asset classes that have historically had a low or negative correlation with one another). We begin by creating the ideal* asset allocation for your unique needs, goals, and plans. Next, a tailored investment strategy is developed to execute the initial allocation. Finally, we are charged with keeping your portfolio in the correct balance, over time.
Maintaining the right balance for your portfolio over time can get tricky. In a tax-qualified account, like a 401(k) or IRA, this work is simplified. Outside of 401(k) plan holdings, however, our clients typically have both taxable and tax-qualified accounts. Our process views client portfolios from a household level, allowing us to execute extremely tax-efficient portfolio re-balancing, and to coordinate tax and investment planning for the portfolio with the client’s non-portfolio financial activity.
Additionally, we employ a unique rebalancing method which includes the daily monitoring of portfolio assets with tolerance bands built around specific asset allocation targets, expressed through a sophisticated, household view rebalancing methodology that provides a great deal of tax efficiency in the re-balancing process
This provides you with the knowledge and confidence that your portfolio is continually monitored and adjusted on a regular basis (not simply annually or semi-annually) in response to market fluctuations, not a calendar event. This helps to ensure continual alignment with your specific objectives which become even more critical in a volatile market environment.
The Result: A strategically managed, daily monitored investment portfolio that remains aligned with your goals and objectives over time.
*Ideally, investment strategy is developed through a detailed understanding of your cash flow needs, return needs and risk tolerance.No strategy assures success or protects against loss. Asset allocation does not ensure a profit or protect against a loss.