Investment Management

Are you accumulating money to spend later? Are you preserving your money while taking income? What is the reason you are willing to take risk with your money? Always know what you own, and why you own it.

The Process

Invest With Purpose

Understand Risk Management & Business Cycles

What are the trade-offs you should know when deciding what to do with your money? What money can afford more or less risk given your timeframes or flexibility? Checks and balances with investing, as in life, are important.

Goals Based Risk

Keep Quality High & Costs Low

Is all index all the time the right approach? Why is the fiduciary process so meaningful? We take our fiduciary obligation to be productive to our stakeholders incredibly seriously, and every element of our process has meaning.

Efficient Portfolios

Investment Philosophies

Tax Sheltered Investing

Structure

Optimize the mix of tax status and asset location to produce the most desirable tax impact both for your present needs and future needs.

Business Owner Specific

Tax sheltered retirement investing and employee benefits to maximize value for both owners and employees.

Company Stock Analysis

Disposition and diversification strategies for concentrated stock/options holdings.

Opportunistic

Tax free investment optimization and implementation. If you've been told you make too much to contribute to Roth IRAs you may only have half the story.

Risk drives portfolio
return over the long term

Goals Based Risk

Diversify your way
to a better portfolio

When you invest in individual stocks, you are exposed to both market risk and company risk. While market risk (i.e., the risk of the S&P 500 or similar index) has usually been rewarded with return, company risk has been more unpredictable, which is why 43% of individual stocks lost money over the last five years, while only 0.3% of diversified investments lost money over the same time frame. Without a crystal ball, it’s impossible to know for sure which stocks will outperform in the future.

Source: Morningstar as of 12/31/24. Diversified investments are represented by the Morningstar U.S. Equity Category, oldest share class only. Individual U.S. stocks are represented by the Morningstar U.S. Stock Universe, all securities on the NYSE
and NASDAQ. Analysis does not include obsolete mutual funds, ETFs or stocks as defined by Morningstar. Past performance does not guarantee or indicate future results.

EFFICIENT PORTFOLIOS