Ensuring Your Legacy
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1Family Alignment - Help you educate future generations on your wishes for your wealth and desired outcomes
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2Estate Planning - Review your current estate plan and make recommendations for accomplishing your wealth transfer goals while minimizing estate tax exposure
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3Charitable Planning - Suggest tax-advantaged and value-aligned strategies for charitable giving during life and through your estate
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Our Investment PHILOSOPHY
We prioritize the principles of balance, disciplined long-term focus, and the importance of asset allocation and diversification — working to keep your portfolio tax- and cost-efficient.
Don’t react to market cycles
Optimism and fear lead to poor decisions at the worst times. Define your risk tolerance and investment time horizon first, then invest accordingly. Don’t overreact.
Outwitting the market is impossible
Globally, millions of people trade every day. The market processes this information in real time and sets prices efficiently. Your portfolio will have a mix of stocks, bonds, and cash that’s right for you.
Time in the market is more important than timing the market
Trying to time the market exposes you to unneccessary risk. Diversify your investments across the global market and you are better able to absorb market changes and reduce your risk exposure.
Focus on what you can control
The market can’t be controlled. We will work to reduce expenses, minimize taxes, diversify your portfolio, and structure investments for your circumstances — the things you can control.
Fees matter
Many other investment managers have layers of excessive fees that erode your gains, bias their advice, and limit your options. Our fees are simply linked to the size of your account.
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Our Investment Approach
Chasing returns or paying high fees is not the avenue to investment success. We take a long-term approach to creating and managing your tailor-made investment plan.
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1
Listen
We ask questions about your financial needs, life goals, and tolerance for risk.
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2
Define
We customize an investment portfolio that complements your current circumstances and future aspirations.
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3
Plan
We confirm your short-, mid-, and long-term financial expectations and ensure they align with your investment portfolio.
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4
Initiate
We strategically deploy your capital into your portfolio.
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5
Measure
We monitor your portfolio’s performance, explain results, and answer questions. Then the cycle starts again.
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MAXIMIZING TAX SAVINGS
The tax efficiency of portfolio construction doesn’t always get much attention, but we believe it should. Constructing tax-efficient portfolios reduces clients’ tax burdens without endangering long-term goals.
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The game plan
We construct portfolios to meet your known obligations, as well as your mid-, and long-term goals, oftentimes using a bucketing strategy.
bucket one
Safety
Meet your known obligations
The Safety Bucket consists of Deposit Account, Money Market, or Treasury Bills aimed at covering near-term liquidity needs (one year or less).
bucket two
Preservation
Preserve your principal, but out-earn cash over time
The Preservation Bucket contains short- and intermediate-term bonds (one to 10 years), maturing every year for a 10-year period. Proceeds from the bonds extend the ladder out 10 years or refill bucket #1 or #3.
bucket three
Legacy
Grow for your future, family, and philanthropic goals
The dollars in the Legacy Bucket can be left untouched for the long term. The value of this bucket will fluctuate, providing the reward of bigger gains over your lifetime. For example, $10 million compounded at 8% average annually will be worth almost $150 million in 35 years.