Our approach to investment management includes the following specific services that benefit our individual and family clients:

Determine an Appropriate Investment Strategy

We identify an investment strategy that is consistent with each client's specific financial goals and tolerance for risk. We then create an investment policy statement, which provides the roadmap for ongoing portfolio management decisions.

Create a Portfolio Transition Strategy

Once a suitable strategy is defined, we transition a client's investments into the newly defined portfolio, taking into account tax ramifications and the client's sensitivity to the sale of certain securities.

Plan for Cash Flow Needs

We help clients arrange automatic contributions into their investment accounts for ongoing savings, or regular distributions from their accounts to meet ongoing income needs.

Minimize Taxes

We are proactive in identifying opportunities to minimize taxes. For example, we allocate investments that incur higher taxes to tax-deferred accounts, favor long-term over short-term capital gains, and harvest capital losses to offset gains when prudent.

Monitor and Rebalance the Portfolio

We regularly review and monitor the investments we have selected, and make asset-class and manager changes when our research dictates. We rebalance portfolios when we consider it advantageous, direct cash inflows into underweighted and undervalued asset classes, and take distributions from overweighted and overvalued asset classes.

Coordinate with Your Overall Financial Strategy

We proactively communicate with our clients' tax advisors, providing tax information about their investments and when appropriate, assisting with stock option planning, retirement plan distributions, and other tax-sensitive events. In some cases, we also coordinate with our clients' estate planning attorneys to ensure that estate documents, investment account beneficiaries, and legal powers are arranged appropriately.