Intelligent Guidance and Clarity for Your Wealth. IBIO “In the Best Interest Of,” reflects our fiduciary commitment to always put our clients’ best interest first.

 

 

About IBIO Capital

We deliver customized investment solutions and financial planning to families, individuals and foundations.

Founded by Dave Canham after 25 years in the industry, IBIO Capital has a clear mission: to provide financial guidance that places the client first. We offer clients objective advice, a flexible platform, industry-leading technology, and a more personalized level of service.

IBIO Capital works closely with clients to understand their priorities, assess their needs, organize their finances, and implement and monitor custom investment portfolios. This process includes reviewing estate planning, tax planning, and insurance needs.

With experience, knowledge, and resources, IBIO Capital is an independent wealth advisory firm dedicated to our clients’ best interests.

IBIO “In the Best Interest Of,” reflects our fiduciary commitment to always put our clients’ best interests first.

 

 

 

Advantages

Personalized Service

Objective Advice

Customized Approach

Collaboration

Transparency

Personalized Service

We work closely with our clients to deliver advice and solutions that better serve their priorities. We think of our clients as family and provide attentive, personally tailored service in a thoughtful and private way. No burdensome firm policies restrict our ability to best serve clients. We focus on building lasting relationships through integrity, trust, and exceptional service.

 

Objective Advice

We receive no compensation from outside organizations—our only compensation is from our clients. Unlike many large brokerage and asset management firms, we are 100% objective and independent in our advice. Our clients receive the perspective they need to hear, without bias or conflict.

Customized Approach

An investment strategy needs to focus on protecting and growing a client’s long-term purchasing power. We clarify the cost to fund client goals, then develop a tailored strategy for the highest probability of success. This process takes into account the clients’ time horizon, spending requirements, liquidity, and tax status.

Collaboration

We collaborate with our clients’ estate attorney, accountant, and insurance professional to ensure that all their decisions are aligned. Since life is constantly evolving, we can help you receive the guidance you need for all aspects of your financial life. 

 

Transparency

We offer industry-leading technology and customized portfolio reporting, enabling clients to oversee and understand their wealth with ease. As fiduciaries, we provide complete transparency and have our clients’ assets safely held by a custodian that’s not affiliated with their advisor. Several large, well-known custodians are available for the security of client assets and account statements.

Services

Investment Management

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

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 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.