Strategically investing your savings while managing risk is critical to reaching your shorter- and longer-term financial goals, and for building and preserving wealth. We guide you in strategically investing your assets based on your unique goals, time frame for investing, risk tolerance, and risk capacity, through the following services:

• Identifying your shorter-and longer-term goals, in order to tailor specific and appropriate investment strategies to meet them
• Reviewing your current portfolio
• Designing an optimum portfolio specifically for you, with strategic asset allocation tailored to your:
  • Time horizon for needing to use various tranches of funds
  • Risk tolerance specific to your different tranches of funds – how much potential loss you are comfortable taking in order to be able to have gains in your investments
  • Risk capacity – your financial capacity to withstand potential losses in your investments without jeopardizing your overall financial situation
• Investing your assets in one or more of the following types of accounts, based on how to best meet your particular goals:
  • Roth IRAs and backdoor Roth IRAs – strongly preferred for their long-term tax advantages
  • Traditional IRAs
  • Rollover IRAs from company or organizational retirement accounts such as 401(k)s, 403(b)s, and 457(b)s
  • Individual and joint brokerage accounts
  • Business brokerage accounts for LLCs, S-Corps, and C-Corps
  • Solo 401(k)s, SEP IRAs, SIMPLE IRAs, Safe Harbor 401(k)s, and full 401(k) plans for small businesses and self-employed persons
  • Trust Accounts
  • Non-profit and foundation brokerage accounts
  • Custodial Accounts – UGMAs and UTMAs – Uniform Gift to Minors Accounts and Uniform Transfer to Minors Accounts
  • Guardianship and Conservator Accounts
• Investing your funds in assets that well outpace inflation, while aligning with your personal risk tolerance
• Investing your funds in a way that aligns with your personal values, such as through Personalized Direct Indexing to eliminate certain companies or activities, and investing according to ESG (Environmental, Social and Governance) considerations or Islamic/Halal Compliance
• Diversifying your investment portfolio to match your risk tolerance and safeguard against market volatility and economic changes
• Dynamic investment management that adapts to macroeconomic shifts, as well as changes in your personal situation and risk tolerance
• Ensuring that your portfolio is designed and managed in a tax-efficient manner, to minimize unnecessary taxes. This could include Direct Indexing and Tax Loss Harvesting in taxable accounts.
• Periodic portfolio rebalancing to ensure that your investments continue to represent the plan that we have outlined for you.
• Helping you to manage and diversify your employee or executive Restricted Stock Units (RSUs) and other executive compensation strategies such as stock options and performance shares, to reduce single stock and concentration risk
• Helping you to manage Donor-Advised Funds (DAFs) for charitable giving, and to find charitable organizations that align with your values, to donate your DAF funds to
• Investment planning for windfalls – unexpected, significant gains of money – and liquidity events, such as when inheriting money or selling a business
• Ensuring that your accounts are titled appropriately and have the appropriate ownership structure, and that your desired beneficiary designations are in place and up to date, to ensure that your assets go to your intended beneficiaries when you pass away
• Helping you to manage withdrawals, including Required Minimum Distributions (RMDs) from your retirement accounts
• Keeping you informed about the performance of your accounts on a quarterly basis.
• Monitoring your outside accounts

Explore independent, fiduciary investment planning with us!