Ongoing, discretionary management of your investment portfolio, built on the same financial plan we created together and adjusted as your life evolves.
We handle the day-to-day of your portfolio: rebalancing, tax-loss harvesting, contribution guidance, and more, so the strategy on paper actually gets executed in practice.
Our process starts with your financial plan and never drifts from it. Every investment decision connects back to what matters to you.
If you already have a financial plan with us, we pick up where it left off. If not, we build one first. No portfolio should exist without a plan behind it.
We build a personalized Investment Policy Statement covering your target allocation, rebalancing rules, tax preferences, and risk guardrails, all documented and agreed upon before a single dollar moves.
We walk through the strategy together, transfer or open accounts, and handle all the paperwork. Our goal is to have clients fully onboarded within one to two weeks.
Your portfolio is built using low-cost, diversified funds aligned to your strategy. We implement with tax efficiency in mind: timing purchases, coordinating with outside accounts, and establishing tax-loss harvesting where appropriate.
You get a client portal with real-time portfolio visibility, quarterly performance reports, and direct access to your advisor. Not a call center.
Markets change. Life changes. We monitor your portfolio continuously, rebalance as needed, and meet with you at least annually to revisit your plan and keep everything aligned.
We don't chase returns or time markets. We build durable portfolios grounded in evidence, structured for taxes, and calibrated to your life.
We build globally diversified portfolios using low-cost index funds and factor-tilted strategies, capturing market returns while systematically reducing the risks that don't pay a premium.
Every allocation decision is grounded in decades of academic research, not market forecasts or manager hot streaks. We invest with conviction in what the evidence actually supports.
From asset location to tax-loss harvesting to Roth conversion windows, we manage your portfolio with the IRS in mind, because after-tax returns are the only ones that matter.
We manage across account types as a unified strategy, not siloed buckets that accidentally work against each other.
401(k), IRA, and Roth IRA managed with contribution timing, allocation, and withdrawal strategy all coordinated.
After-tax accounts managed for tax efficiency first: asset location, harvesting, and avoiding unnecessary taxable events.
Self-employed and business retirement accounts integrated with your overall tax and investment strategy.
Portfolio stress-testing, downside scenario modeling, and insurance gap analysis to keep your overall financial picture protected.
Year-round coordination with tax planning: Roth conversions, capital gains management, and RMD timing built into portfolio decisions.
Beneficiary coordination, titling review, and charitable giving strategies embedded into how we manage and distribute assets.
Questions we hear from clients before getting started, and what we do about each one.
No commissions, no hidden charges, no conflicts of interest. Investment management is optional and not required to receive financial planning services.
Advisory fees are negotiable based on scope of services. Additional costs such as custodial fees, fund expenses, or third-party fees may apply and are not included in advisory fees. Full details provided in our advisory agreement and Form ADV.
Whether you're starting fresh or ready to implement an existing plan, let's talk about whether investment management is the right next step.
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