What We Do

Investment Policy Statement. Drafting an Investment Policy Statement (IPS) is an important step in defining your investment strategy based on your goals, financial situation, and risk preferences. We start each client relationship by composing an IPS, including your customized target asset allocation and glide path.

Concentrated Wealth Management. We develop the strategy for your liquid portfolio after considering concentrated holdings in real estate, private businesses, employer stock, and even home equity. Analyzing all your financial assets is the only way to achieve the proper level of risk management and diversification.

After-Tax Asset Allocation. Roth IRAs, Traditional IRAs, 401k’s, and deferred compensation plans all have differing tax consequences. In managing your portfolio, we consider the after-tax, true economic value of your accounts, not just the raw dollar amount. And we apply the same analysis to evaluate other tax-related investment decisions, such as Roth IRA conversions and asset location.

Ongoing Portfolio Management. After drafting your Investment Policy Statement, our portfolio management responsibilities include investment selection, trading, rebalancing, and ongoing monitoring. As your goals, situation, or risk preferences change, your IPS is updated so you always have a written record of your current investment strategy.

Performance Reporting. In addition to reports from your custodian, we provide consolidated performance reports and analysis of your accounts, providing you with a clear view of your whole portfolio.

Open Architecture

Any Custodian. If your preferred custodian (broker) can provide us with online data and trading access, we can handle it. Or, move your accounts over to a custodian we already support: currently Scottrade, Fidelity, and TIAA-CREF. We can also manage most 529 plans.

Any Investment. Since we are completely independent, we are free to use any investment product available to the public. Based on evidence and research, the products we prefer are low-cost index funds and ETFs that do not pay us commissions or other incentives.

Any Outside Advisor. Already working with an accountant and an attorney? We are happy to coordinate investment strategies with your tax and estate planning advisors. We can even provide your existing advisors with access to our online portal, allowing you to securely share documents with all your advisors in one place.

Our Fees

Our advisory fees are paid quarterly according to the following schedule. The minimum annual fee is $1,000.

Connect with Us