Investment Management

Your Goals Are Unique. Your Investment Strategy Should Be Too.

It is our belief that your investment strategy should be a direct reflection of your goals, which is why our investment management strategies are plan-based and tailored to fit each individual client’s needs. We look to the academic community for insights on markets and use an investment approach that is built upon a body of knowledge accumulated over several decades of research. Our goal is to help clients attain the risk-adjusted returns they need to reach their goals through diversification with a focus on keeping taxes and fees as low as possible.

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Our Expertise

Tolerance Band Rebalancing

You can view rebalancing as a form of portfolio risk management that will improve your risk-adjusted investment returns over time. Let’s say you’ve established long term asset allocation of 60% stocks and 40% bonds as part of your investment strategy that reflects both your desired exposure to risk factors and return goals of your portfolio. If you fail to rebalance, the more volatile asset classes in the portfolio—equities in this case—will tend to take over and increase portfolio risk, hence the need for periodic rebalancing.

Asset Location

Where you put your investments—meaning the type of account you choose—can make a major difference in how much you can earn, after tax, over time. That’s because different investments are subject to different tax rules, and different types of accounts have different tax treatment. Attempting to sort investments into accounts to lower your overall tax bill is a strategy called active asset location. It has the potential to lower your overall tax bill providing you with the most tax efficient growth in your portfolio over time. How your assets are accumulated and how they are distributed can have an impact on returns.

Tax Loss Harvesting

An advantage of taxable accounts is the ability to use the losses that inevitably occur in some years to lower your tax bill. This is called tax loss harvesting. Tax losses represent an interest-free loan that defers capital gains taxes you would otherwise owe into the distant future, and can even eliminate them entirely when you die. Second, after offsetting realized gains, you can use any remaining tax losses to offset $3,000 of ordinary income in the current year and carry forward any remaining into the subsequent years.

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