services

Our Investment Policy Statement (IPS) outlines the strategies we craft for you based on your goals, financial circumstances and risk preferences. Having a written document keeps the focus on your long-term goals and provides transparency on what we plan to do.

When managing your portfolio, we seek to optimize the post-tax, true economic value of your accounts, not just the raw dollar amount. As a result, we implement tax-related investment strategies, such as after-tax asset allocation, asset location, Roth IRA conversions, and tax-loss harvesting. We will also reconcile tax efficiencies for assets directly under our oversight with assets held elsewhere including employer sponsored retirement plans.

We develop the strategy for your liquid portfolio after considering concentrated holdings, such as real estate, private businesses, restricted stock, and deferred compensation including equity compensation such as ISO, ESPP, ESOP and RSU's. Evaluating the breadth of your financial holdings is is the only way to achieve the proper level of risk management and diversification.

After drafting your Investment Policy Statement, our portfolio management services include investment selection, trading, rebalancing, and ongoing monitoring. Whether you need to invest a lump sum or to withdraw a dependable, recurring stream of income, we can recommend a strategy that is appropriate for you.

In addition to reports from your custodian, we provide consolidated performance reports and analysis of your accounts, providing you with a clear view of your whole portfolio.