IBIO “In the Best Interest Of” is the fiduciary hallmark that the best interest of our clients always comes first.

About IBIO

We serve as fiduciaries to individuals, families and foundations, providing customized portfolio solutions and comprehensive financial planning.

Dave Canham founded IBIO after 25 years in the industry, with the simple goal of providing financial guidance that truly puts the client first. We help clients achieve their unique goals – whether simple or complex – from a concierge wealth advisory firm.

Concierge for us means a more personalized and comprehensive level of service. We work closely with our clients to understand their priorities; evaluate their needs; organize their finances; review their estate planning, tax planning and insurance needs; and implement and monitor a custom investment portfolio. We communicate in a straightforward way, and have the experience and resources to serve as a single point of contact for all financial issues.

We build client loyalty with integrity, trust and high level service.

Advantages

Concierge Service

Objective Guidance

Tailored Approach

Collaboration

Transparency

Concierge Service

The term “concierge” is from the Latin root meaning “extra service”. We can dig in deep alongside our clients and deliver advice and solutions which better serve their priorities. No burdensome firm policies restrict our ability to best serve clients. We think of clients like family and provide high-touch and personally tailored service in a thoughtful, and private way.

Objective Guidance

We receive no compensation from outside organizations. Our only compensation is from our clients. Unlike many of those other firms in the wealth management industry, we are 100% objective and free from conflicts of interest with our advice to you. Our clients expect and receive the perspective they need to hear, without prejudice or conflict.

Tailored Approach

Many have been researching the “best” way to construct investment portfolios ever since Harry Markowitz put forth the asset allocation method of Modern Portfolio Theory (MPT) in 1952. Other asset allocation methods have surfaced since then, and are important to be familiar with, yet they also have noticeable limitations. We offer a tailored approach for your highest probability of success.

Collaboration

Due to our long-standing relationships in the investment industry, we offer another level of due diligence with our investment solutions for clients. In addition to our comprehensive qualitative and quantitative due diligence on each investment and strategy, we collaborate with our global network of contacts for additional access and insight on the true skill and stability of specific investment managers and solutions.

Transparency

To help clients easily oversee and understand their wealth, we provide custom reporting and best-in-class technology solutions. Serving as a fiduciary and providing true transparency also includes having our clients’ assets safely held by a strong custodian that’s not affiliated with their investment advisor. We offer access to several top custodians for the safekeeping of client assets and an independent source for account statements.

Services

Investment Management

We incorporate the best available economic and investment research in our portfolio solutions, providing the same higher level of guidance used by the largest institutional investors. Portfolios are designed based on our clients’ financial and personal goals. In doing so, we determine an appropriate asset allocation tailored to our clients’ time horizon, cash flow requirements and risk tolerance. Protecting spending needs and purchasing power are key factors.

We identify downside risks and run stress tests on every investment proposal.

We target the best after-tax returns in our portfolios. Any portfolio changes are evaluated on an after-tax basis. We also have the ability to restructure low basis stock positions into a diversified index portfolio without realizing all the potential taxable gains.

Wealth Planning

To plan for your spending needs and goals, we forecast the inflows and outflows of your personal balance sheet, and value these assets after inflation and taxes. This provides a goals-based financial plan that evolves – incorporates life’s transitions – and keeps all accountable.

Wealth can be an efficient tool to support others, and we can help develop a giving strategy for your interests either on the local or global level.

When this is done properly, it becomes an ongoing process that is followed for generations – allowing for a life free from financial worry. We work closely with our client’s accountants and estate attorneys to integrate all of their financial affairs.

We advise on and integrate into the financial plan all types of employer compensation, including stock options, as well as restricted and performance shares.