San Diego Office
600 West Broadway
A dynamic wealth management process requires strategic focus and the tactical flexibility to make course corrections along the way. We work with our clients to balance risks while striving to capitalize on opportunities.
Clients who work with us can expect a robust approach centered on the following steps:
Strategic asset allocation is the backbone of our wealth management process. We believe investors can harness insights from past market performance to help construct portfolios that properly balance risk and reward. We embrace the concepts of Modern Portfolio Theory, a time-tested approach pioneered by Nobel Prize-winning economist Harry Markowitz that recognizes risk as an inherent part of higher rewards.
We also work to ensure our clients are focusing on the taxable status of their assets. Taxable, tax-deferred, and tax-free assets may all have a place in a client’s portfolio, and striking the right balance is important.
Setting a wealth management strategy into motion isn’t enough to achieve goals. Market conditions and circumstances change, as do financial resources, priorities, and assumptions. Recognizing this, we can help fine-tune portfolios by actively managing investments, in an attempt to better seize short-term opportunities and control risks. We focus on several rules to help make adjustments when necessary.
Your unique needs and circumstances make you, unlike any other client we serve. While our model portfolios work in many circumstances, customization is also appropriate in others.
Expenses can add up and eat into investment returns, so we emphasize choosing low-cost, tax-advantaged vehicles at the core of portfolios. We carefully analyze each investment we recommend and understand net costs, to measure against potential benefits.
We believe in helping clients develop a portfolio as tax efficient as possible. We review the tax impact of changes to portfolios across all clients, before making adjustments, and help clients harvest tax losses to offset any gains realized.
Both you and your other trusted advisors will hear from us at regular intervals. We generate monthly account statements and customized quarterly updates reflecting quarterly performance and asset allocation. Portfolios are benchmarked against stated guidelines and objective measures, and we review investment performance annually to make revisions needed to keep portfolios on track.
Our dynamic wealth management process provides an integrated method of managing your financial affairs.
Past performance is no guarantee of future results. No strategy assures success or protects against loss.
This information is not intended to substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.