Investments & Wealth Management

We invest in efficient markets using low-cost tax-aware strategies. We use active management in less efficient markets requiring skill and manager expertise. This is why we have multiple meetings with you prior to thinking about your plan. Our goal is to give you back what money can’t buy, time for the things you care about.

Risk means different things to different people. For some, It’s market volatility and permanent loss of capital. For others, it’s running out of money in retirement, paying unnecessary taxes, facing unexpected healthcare costs, or not achieving the goals that matter most. Whether a plan is a robust portfolio for the strongest of storms, or understanding what it takes to retire early, everybody has different risk appetites. We create plans around investments and products you’re comfortable with.

Tax-aware investing is the practice of managing your investments with taxes in mind, not just investment returns. To do this, we focus on asset location and tax efficiency to improve after-tax returns consistent with your financial plan. Rather than focusing solely on what you earn, we focus on how much you keep. The goal is to make the right decisions today that can help reduce unnecessary taxes.

Concentrated company stock creates both significant risk and opportunity. We help you evaluate your risk appetite, hedging solutions, and understand reasonable tradeoffs to diversification. Every situation is different and should be modeled accordingly.

For specific qualified investors, we believe alternative investments can play an important role in a diversified portfolio. When considering alternative investments, we evaluate your goals, risk tolerance, and liquidity needs.

Alternative investments aren’t appropriate for everyone, which is why we consider them carefully within the context of your broader financial plan. Our goal isn’t to add complexity for the sake of complexity. It’s to identify opportunities that may help enhance diversification, manage risk, and support the long-term objectives you’ve worked hard to achieve.

Different stages of life often require different investment strategies, and just as importantly, different people have different levels of comfort with risk. While the S&P 500 has historically been a strong long-term investment, a portfolio should reflect your goals, income needs, tax situation, time horizon, market valuations, economic trends, and ability to navigate market volatility. No investment is free of risk, and we believe a complete portfolio is well diversified. Someone accumulating wealth in their 30s may have different needs than someone relying on their portfolio for retirement income. Our role is to build an investment strategy that aligns with both your financial plan and your personal tolerance for risk.

Market downturns are a part of investing and are something we prepare for. This is why we don’t manage portfolios without considering your entire financial picture. Protective reserves are used to avoid selling assets at a loss. Diversification and hedging strategies are foundational to building an ‘all-weather’ portfolio.