Investment Allocation and Management

It’s been said that you reap what you sow. And when it comes to enjoying your investments, truer words have never been spoken. Even if you don’t have millions of dollars to invest, simply taking the time to choose where to park your money can be rewarding. Through developing a personalized investment strategy, diversification, and avoiding short-term distractions, we aim to help build and preserve your wealth so you reach your financial goals.

When managing your investments, we take into account your goals, timeline, and risk tolerance to structure your portfolio. We utilize guidance from multiple investment research firms to develop our investment outlook and tailor the portfolio to your needs with an emphasis on using available tools to manage your downside risk. We operate from an asset allocation framework to maintain a disciplined approach that minimizes the impact of emotions elicited by market fluctuations.

Our Investment Planning Process

Create a point-in-time snapshot:

We analyze where you are in terms of your current portfolio. In some cases, we can provide immediately actionable steps that benefit you; like leveraging tax-selling or accounts allocated individually rather than with a view of your full picture.

Develop an investment strategy:

From your snapshot, we’ll draw-up personalized investment strategies that will help you pursue your financial objectives. This may be accomplished by building upon your existing portfolio or proposing a set of tax-efficient investments that are aligned with your personal financial goals.

• We discuss your feelings on risk and ability to withstand a market downturn so we can build in appropriate protections.
• We allocate to target your income needs while keeping up with inflation.
• We hold investments in the most tax efficient location available based on expected earnings type (capital gains, qualified dividends, ordinary income).
• We can tilt your allocation based on mid to long-term market and economic convictions.

Implement your plan:

Our dynamic approach to investment planning evolves with your changing circumstances. We’ll guide and advise you on investment plan transitions as you go through life and lifestyle changes.

Consult, and counsel:

Ours is an ongoing partnership. Throughout our relationship with you, we’ll review your investments, keep you informed, and communicate regularly with you about proposed changes and potential risks or opportunities for your investments. Each year we will review opportunities for tax efficiency like conversions or loss harvesting.

Guaranteed Income

How much of your desired retirement income would you like to have guaranteed for life, regardless of how long you live? For some, the risk of a market event like the Great Recession impacting their retirement lifestyle is not worth the potential for long-term investment outperformance. We can review options to position you to have your living expenses covered by income you cannot outlive, while maintaining more traditional investments for secondary goals. There are tradeoff’s here, so we recommend a close look at this option before implementing to determine what will help you sleep best!