Our investment philosophy is conservative, featuring tailored portfolios built with high-quality, low-cost, tax-efficient investments, mostly ETFs and mutual funds.

But our approach doesn’t start with portfolio construction. There’s an app for that, and you probably already have it. We first focus on the foundational work; the personal factors and strategic elements that combine to point the way to your financial future.

Total Wealth Management

 
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How We Manage Wealth
We invest the bulk of our initial meeting to thoroughly understanding your unique goals. We follow with a proposal outlining how we can enhance your financial life, including a map of your goals, an objective analysis of your current investments, and a summary of the synergies between your needs and our services.

Once you become a client, we’ll help you make well-informed financial decisions to achieve those goals.

We’ll determine how much of your nest egg is “foundational capital,” i.e. the money you will need for the remainder of your life, and create an investment strategy to preserve and prudently grow it.

Any remaining amount, or your “aspirational capital,” may be used for legacy planning. We will work with you and your professional team to determine the most effective, tax-efficient way to build and transfer this wealth to future generations.