
Investment Management
Goal-Based Investing with a personal touch.
Every investment strategy is built around key elements of your customized financial framework: the goals you want to reach, your timeline to achieve them, your level of risk tolerance, tax efficiency and other tax concerns, and more.
We recognize that your wealth can help you live a happier life – if you use it in ways that are most likely to generate the highest levels of emotional satisfaction and well-being. We ask a critical question: Are you focused on what really matters?
We offer investment strategies designed to meet your goals and build your retirement or financial legacy. When markets are uncertain, we are the anchor, a source of stability in times of uncertainty and volatility. We’ve navigated through tremendously difficult economic times. We’ve been through those uncertain times before, and we will be with all our current and future clients.
Our Investment Process
1
Set Investment Objectives
2
Establish Investment Policy
3
Identify Portfolio Strategy
4
Select Investments in Portfolio Architecture
5
Measure and Evaluate Goals
Investing involves risk including the potential to lose money. No investment strategy can assure success or guarantee against loss.
Our Wealth Management Framework
Wealth for now
Are you ready for life’s surprises?
In a world of uncertainty, how can you move forward with confidence? A liquidity strategy can help. It’s designed to provide cash flow for short-term expenses, so you can be ready for what comes your way.
What is it designed to do?
- Fund expenses for the next 1-3 years
- Allows you to avoid the need to tap long-term investments to pay for things now
- Helps manage market risk and sequence of returns risk by including investments with low risk profiles
Why it matters
- Helps take the emotion out of investing because you’ve planned for what you need
- Gives you a clearer idea if you have what you need in times of market volatility
- Helps prevent making rash investment decisions during periods of market volatility
Income for now or a lifetime
Do you want to guarantee a portion of your income in retirement?*
The sense of confidence that can be achieved by having a portion of monthly income largely guaranteed can be priceless. An income stream from an annuity can help offset sequence of returns risk in volatile markets.
What is it designed to do?
- Can help eliminate pulling money out of investments during periods of market volatility
- Can be structured tax efficiently
- Certainty of monthly income that does not correlate directly with the market
- Create income streams that you cannot outlive
Why it matters
- Can help reduce financial stress
- Certainty of income can allow you to explore other investments with confidence
- Having income you cannot outlive can provide more options overall, stability, and a sense of confidence
- *Guaranteed income payments are based upon the claims paying ability of the issuing insurance company.
Wealth for later
How do you approach your financial future with confidence?
Having a Longevity strategy can help you overcome changing market conditions by helping you make long term plans for things like selling your business, purchasing a vacation property or retirement. We seek growth of your wealth over time.
What is it designed to do?
- Help you plan and pay for expenses throughout your lifetime
- Could include needs like vacation property purchases, healthcare, long-term care, retirement, or funding next generation aspirations
- Seek to grow wealth over time, typically through investments aligned to your risk profile and goals
Why it matters
- Allows you to shift your focus from trying to beat the markets to meeting your long-term financial goals.
- Helps you boost confidence in your financial future by understanding your needs throughout your entire life
- Helps you align your investing strategy to your goals and time frames
Wealth for heirs and unborn heirs
How do you approach your financial future with confidence?
Your thoughts about Legacy mature as you do. A Legacy strategy can help you gain more control over your financial future and what you leave behind, so you can move forward with confidences that your goals have been met.
What is it designed to do?
- Help you plan to have the money you need to improve the lives of others
- Could include expenses like giving to family, philanthropy, and wealth transfer over generations
- Potentially include investments with higher risk profile
- Magnify your charitable impact
Why it matters
- Helps you plan beyond your own needs to make a difference for the people you love and causes you care about
- Feel more confident seeking growth because investing is in longer time frames – perhaps decades
- Can incorporate giving now to make your gifts more tax efficient
This is How We Create Value
- Financial Planning
Coordinating investment with overall financial planning. Aligns your goals, assets, time horizon, and risk tolerance. - Tax Alpha
Active tax-managed investing aimed at minimizing tax drag and maximizing net after-tax wealth. - Rebalancing
Systematically directing investor cash flow and reallocating assets to stay goal-aligned. - Strategic Income Planning
Creating needed sources of income to help diminish the sequence of returns risks when income is most needed.
- Behavioral Finance Coaching
Providing discipline, guidance, and alignment on your investments so that impacts to your overall wealth are known before major changes are made or funded. - Cost-Effective Strategies
Focus on liquidation and withdrawal strategies designed to minimize cost and taxes. - Portfolio Architecture
No asset class is out of reach. Full use of alternatives where appropriate. Asset allocation is a primary function to stay uniquely diversified in the most effective way possible.* - *There is no guarantee a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification and asset allocation do not assure a profit or protect against market risk. Investing in alternatives involves a greater degree of risk than investing in traditional assets. Alternatives often carry a risk of illiquidity.