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Define the job
We start with what the money needs to do, when you may need it, and how much risk makes sense.
We start with what the money needs to do, when you may need it, and how much risk makes sense.
We put together a portfolio that fits your goals and works with the rest of your financial plan, including accounts we may not manage.
We plan for cash needs, look for tax opportunities, rebalance when needed, and adjust the strategy as life changes.
We choose investments based on what your money needs to do, your timeline, risk tolerance, taxes, and the rest of your financial plan. We generally favor broad diversification, reasonable costs, and a long-term approach rather than trying to predict what the market will do next.
Yes, when they make sense. We generally favor diversified portfolios of low-cost ETFs, but we can incorporate individual stocks when appropriate, including positions you already own and may not want to sell because of taxes or other considerations.
We don’t automatically make changes just because the market is down. We revisit your plan, cash needs, and risk level, rebalance when appropriate, and look for opportunities such as tax-loss harvesting.
Yes. We can manage certain accounts directly while considering your 401(k), 403(b), employer plan, or other outside accounts as part of your overall investment strategy.
Yes. Financial planning is included with our ongoing investment management relationship, so your portfolio can be coordinated with retirement, taxes, cash flow, insurance, estate planning, and other financial decisions.
