not product pushers.
We serve as your
Buy and hope? Nope.
Our value is in the overall client experience we provide. We do more than just one thing well. We offer a unique combination of integrated financial and tax advice, customized service, and dynamic investment strategies. These are delivered by experienced advisors who take their fiduciary responsibility to you seriously.
The Advice You Need
We are your one-stop shop for financial advice. We believe proper financial and tax planning adds significantly more value than any investment strategy (even our own!). Everyone’s needs are different, but some examples of this advice would be: optimizing the growth of your portfolio by saving in the appropriate type of accounts, limit taxes by having the right distribution strategy, balancing your concentrated stock option exposure while limiting your taxes, getting the most from Social Security, education funding, charitable giving strategies, estate planning, etc.
The Service You Deserve
We coordinate all your financial needs, so you can spend time doing the things you love. The conversations we have with our clients are welcoming, warm, and educational. We’re always asking questions because we are always looking to add value with the right planning strategy or tax advice. Our advisors want to help you, not sell you something. As deep generalists, their experience prepares them for whatever your needs require.
Integrated Tax Advice
In the normal advisory firm, the advisors outnumber the accountants. In our firm, we are literally surrounded by accountants. There is value and convenience in aligning your planning advice, tax advice, and portfolio management.
We act as your portfolio manager using low cost ETFs so you avoid the extra layer of management fees. We have a risk management model designed to protect your portfolio should the market falter. We use quantitative methods to attempt to tilt the portfolio toward the asset classes in favor over the next 12-18 months.
We offer a suite of technology to provide you a convenient and ideal experience. The suite includes access to your updated information online or on your phone wherever you go and whenever you want. Other convenient features include an online scheduling tool and paperwork done by electronic signature technology.
Our Unique Approach
The goal of our investment process is to take the emotion out of investing by using a disciplined process to risk management. Having extensive trading experience provides us with a unique approach to investing portfolios for the long-term. Risk management is key to any trading program. Our goal is to bring this benefit to you while maintaining the benefits of long-term investing such as tax-efficiency.
How it Works
We start with the allocation custom designed to meet your goals based on our planning work. We then apply any necessary changes based on our risk management algorithms. It is the exception when these algorithms recommend reducing risk. It often goes years between changes. Finally, we make tactical changes based on relative strength and valuation metrics. We expect to make tactical changes to portfolios approximately three times per year. To execute this process, we believe in using passively managed exchange traded funds because of their low fees and tax efficiency.