Grow Your Wealth Strategically

Our minimum investment for comprehensive portfolio management is typically $1 million in investable assets. This allows us to provide the level of personalized service and access to institutional-quality investment opportunities that our clients expect. However, we also consider factors such as income potential, age, and complexity of financial situation. If you're approaching this threshold or have unique circumstances, we encourage you to schedule a consultation to discuss your specific needs.

We charge an annual advisory fee based on assets under management, typically ranging from 0.75% to 1.25% depending on account size and complexity. This fee covers portfolio management, investment research, rebalancing, tax-loss harvesting, and ongoing consultation. We believe in transparent, aligned pricing - as your portfolio grows, we benefit alongside you. There are no hidden fees, commissions, or transaction charges beyond the underlying fund expenses, which we work to minimize through efficient fund selection.

We build diversified portfolios using a mix of low-cost index funds, actively managed mutual funds, ETFs, individual stocks and bonds, and alternative investments when appropriate. Our focus is on institutional-quality managers with strong track records and reasonable fees. For qualified investors, we may include alternative investments such as private equity, real estate investment trusts (REITs), and hedge fund strategies. We avoid complex derivatives and speculative investments, focusing instead on proven asset classes with long-term return potential.

We monitor portfolios continuously and typically rebalance quarterly or when allocations drift significantly from targets (usually 5% or more). However, we also consider tax implications, market conditions, and individual circumstances when making rebalancing decisions. Our goal is to maintain your target asset allocation while minimizing unnecessary trading costs and tax consequences. We may also rebalance opportunistically during market volatility to capture rebalancing premiums and maintain discipline during emotional market periods.

Absolutely. We provide comprehensive guidance on employer retirement plans as part of our holistic approach. We'll review your 401(k) investment options, help optimize your contribution strategy, and coordinate your employer plan with your overall investment portfolio. We can advise on contribution limits, employer matching, Roth vs. traditional contributions, and in-service distributions when available. Our goal is to ensure your employer retirement plan works seamlessly with your broader financial strategy.