What We Do

Evidence-based investing.
Coordinated with your plan.

Your investment portfolio shouldn’t exist in isolation. We manage your assets in direct coordination with your tax strategy, retirement timeline, and financial plan — so every dollar is working toward the same goal.

PORTFOLIO PERFORMANCE 2020 2022 2024 2026 +94% --- Benchmark — Portfolio ALLOCATION 67% Equity Equities 67% Fixed Inc. 20% Alt. 13% METRICS Expense Ratio 0.09% Sharpe Ratio 1.42 Turnover Low YTD RETURN +14.2% vs 11.8% benchmark PORTFOLIO VALUE $847K +$92K this year TAX DRAG 0.3% tax-loss harvesting active
Our Philosophy

We don’t chase returns. We build portfolios that survive the full market cycle.

Evidence-based investing means building diversified, low-cost portfolios grounded in decades of academic research — not market predictions or gut feelings. We use institutional-quality investment vehicles to give you professional-grade exposure without the institutional price tag.

Every portfolio we build is personalized to your risk tolerance, time horizon, tax situation, and goals — and managed on an ongoing basis as those factors evolve.

Low-cost, diversified portfolios using institutional-quality funds
Risk tolerance and time horizon matched to your specific goals
Tax-coordinated — managed alongside your tax planning, not separately
Regular rebalancing to maintain your target allocation
Tax-loss harvesting to reduce drag on your returns
Transparent reporting — you always know exactly what you own and why
What We Manage

Every account, working together.

We look at your full investment picture — not just the accounts we manage — and make sure everything is coordinated.

Personal Investment Accounts
Taxable brokerage accounts managed for long-term growth and tax efficiency. Asset location strategy ensures the right investments are in the right accounts.
IRA & Roth IRA
Traditional and Roth IRAs managed with a long-term tax strategy in mind — including ongoing Roth conversion analysis based on your income and future tax projections.
401(k) & Business Retirement Plans
We advise on your employer plan investments and design business retirement plans to maximize what goes into your pocket through appropriate fund selection and contribution strategy.
Business-Held Assets
For business owners with cash sitting in their company, we evaluate the most tax-efficient way to deploy those assets — whether personally, inside the business, or through a retirement plan.
Rollover & Consolidation
Old 401(k)s from previous employers, inherited IRAs, and scattered accounts consolidated into a cohesive strategy. Fewer accounts means less complexity and better coordination.
Ongoing Portfolio Monitoring
We actively monitor your portfolio for drift, tax-loss harvesting opportunities, and rebalancing triggers — so you don’t have to watch the market to know your investments are on track.
1.5%
average annual drag from poor tax management on investment accounts — recoverable with proper coordination
0.09%
average expense ratio of funds we use — compared to 1%+ in actively managed mutual funds
3%
average value added annually through tax coordination, rebalancing, and behavioral coaching (Vanguard Advisor’s Alpha)
Who This Is For

For anyone who wants their investments to actually connect to their goals.

We work with clients across all four of our primary audiences. Whether you’re a business owner with cash to deploy, a professional accumulating wealth, or a plan sponsor managing a 401(k), your investments should be part of a coordinated plan.

Related Services

Investment management works best as part of a complete plan.

Your portfolio strategy connects directly to tax planning, retirement design, and your overall financial plan.

Your investments should work as hard as you do.

A free 30-minute call to look at your current portfolio and whether your investments are truly coordinated with your financial goals.

Schedule a Free Call → See Our Planning Approach
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