The right eggs. In the right baskets.
We’ll look at your individual situation. And then help you find an appropriate asset allocation—which assets to include, in what proportions and in what accounts.
We favor a broad range of investments to minimize risk. Low-fee, tax-smart index and passive asset class funds to keep costs and taxes low. Ladders of high-quality, investment-grade bonds or bond index funds for fixed income. And a consistent approach that’s weathered bull and bear markets. Because evidence shows that a diversified portfolio with low turnover can provide excellent risk-adjusted after tax returns over the long term.
What you’ll get is a portfolio designed just for you. But based on principles that have been proven by many.
Client story: Simplifying the Complex
Married clients in their 60s came to us with a trust and two IRAs—each invested in an assortment of actively-managed, higher-cost mutual funds. They couldn’t keep track of how much was in stock, bonds or what kinds of investments they were. And they didn’t realize many of the funds had overlapping positions and high ongoing expenses—both investment and tax expenses.
We immediately saw that they had too many investments, yet not enough diversification. We went to work to reduce their risk and their expenses. Being sensitive to realized gains in their taxable accounts, we moved their higher-cost mutual funds into broadly diversified, tax-sensitive, low cost index funds. We also added low cost municipal bond funds to improve their after-tax return. For their IRAs, we created a taxable bond ladder that would meet future distribution requirements in retirement. And we took advantage of the IRAs’ tax deferred status by placing less tax favored securities here. The result was a plan that reduced costs, minimized risk and eliminated confusion. While enhancing their peace of mind.