Our investment portfolios integrate institutional-level research and a deep understanding of our clients’ financial and personal goals. Key considerations include the client’s time horizon, spending requirements, liquidity, and tax status. Protecting spending needs and long-term purchasing power are key factors.

We identify and set asset allocation guidelines among equities (stocks), fixed income (bonds), and cash that reflect our clients’ needs. Our focus is on patient long-term investing, not trading. We don’t rely on market timing, but we will take advantage of opportunities if they present themselves.

We dedicate a portion of our portfolios to diversified equities, which have been the most effective way to outpace inflation and maintain purchasing power over the long term. Over-diversification, which reduces return potential, is avoided. Most clients need and want equity exposure to keep up with spending, tax costs, and inflation.

We seek to maximize after-tax, inflation-adjusted returns within our portfolios, while considering the tax implications of portfolio changes. We evaluate portfolio decisions on an after-tax basis and may use tax-aware strategies to help diversify concentrated, low-cost-basis stock positions while managing the potential tax consequences of realizing gains. 

We can identify downside risks and run stress tests on portfolios to help clarify the expected volatility for different scenarios. This can help clients make more informed decisions; yet, volatility is part of investing, and maintaining the proper perspective while investing is a significant reason for hiring an experienced advisor.

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 everyone accountable.

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

When this is done properly, it becomes an ongoing process that is followed for generations, allowing for greater comfort and reduced anxiety. We work closely with our clients’ accountants and estate attorneys to integrate all 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.