Every plan should be maintained regularly. Some key actions include rebalancing, conducting thorough due diligence on investments to assess their suitability, responding to overall market changes, and adjusting the strategy as necessary, while avoiding common market timing mistakes.
Investors should also regularly review their income, cash flow, tax, and estate planning needs, as well as how these needs relate to their portfolio asset allocation.
Rebalancing a portfolio involves selling an asset class that has outperformed and buying an underperforming asset class. This process helps realign the portfolio with its original asset allocation targets, maintaining the intended goal of diversification. We work with each client to periodically rebalance when portfolios deviate from strategic allocations to maximize returns for a given level of risk.
As a registered investment advisor, we have a fiduciary duty to act in your best interest. We take an unbiased approach to selecting investments for your portfolio.
We are an independent firm and do not receive commissions for selling products or receive payments from fund companies. As an independent firm, we have the unique ability to invest with any manager or strategy from within the investment universe.
Our goal is to design an unbiased, low-cost, safe, diversified, tax-efficient, and enduring portfolio of passive and active managers that balances risk and return, to preserve purchasing power.
We embrace technology, which enables us to build more effective portfolios, design comprehensive financial plans, and enhance communication with our clients. Creating the plan is just the first step. We work closely with you to update it regularly as your goals evolve.
Our portfolio management technology utilizes institutional-caliber analytics, stress testing, and portfolio optimization to construct efficient portfolios. Each portfolio is analyzed in detail through comprehensive asset allocation analysis, rebalancing strategies, risk allocation, back testing, stress testing, and risk-adjusted performance metrics.
We utilize tax-efficient strategies and sophisticated technology in both the design and management of portfolios. We seek to identify the optimal investments to hold in varying types of accounts and then customize each portfolio utilizing rebalancing, cash management, and tax-loss harvesting strategies.
