Investment Management: Comprehensive Financial Planning services include investment management for clients who prefer to delegate. We manage client accounts at Charles Schwab, our preferred vender. 

 

Advice-Only: you want investment recommendations but still prefer to manage your accounts independently at your preferred vendor.

 

Markets are highly efficient most of the time. Attempting to beat the market is highly unlikely, but likely to be very costly. Primarily using tax-efficient low-cost ETFs (exchange traded funds) we construct and manage diversified portfolios which typically include a combination of stocks, bonds, real estate, and alternatives.

 

There is a virtually unlimited variety of investment choices now available to most investors. Our job is to help you sift through all that and construct a portfolio that aligns with your goals and your risk appetite.

 

Your optimal investment allocation is determined during the financial planning process. Answering questions such as “how much should I have in stocks or bonds?” or “which investments should go in each type of account?” We will also review whether various strategies such as direct indexing or bond ladders make sense for you.