Investment Management

We partner with trusted custodians Charles Schwab and Altruist. While some firms charge 1.4% or higher in management fees and up to 0.60% in strategy fees, we keep our fees at 1% or less. Our minimum asset balance, including all accounts and household members is $250,000, compared to my previous firm’s $2m requirement.

Investment Philosophy

• Keep Cash for Spending: Have enough cash to cover 1-2 years of spending. Most bear markets last about 9.5 months, so this cash acts like insurance.

• Don’t Invest Short-Term Money: If you need funds in the next 7 years, avoid the stock market. For someone retiring in 7 years, keep enough cash and fixed-income investments for that period.

• Keep Fees and Expenses Low

  • 90% of financial experts fail to outperform a highly diversified portfolio over the long term

  • Only 22% of active fund managers have outperformed their passive peers in the last decade.

  • Additionally, higher-cost funds do not consistently perform better than lower-cost funds over 10 years

• Utilize Passive Management in most cases

  • For Retirement Accounts mainly utilize Exchange Traded Funds (Vanguard, Ishares, Spider)

  • For Taxable Accounts, if in a higher tax bracket, utilize Direct Indexing to better take advantage of tax loss harvesting and tax sensitive rebalancing

• Utilize Passive Management in most cases

  • For Retirement Accounts mainly utilize Exchange Traded Funds (Vanguard, Ishares, Spider)

  • For Taxable Accounts, if in a higher tax bracket, utilize Direct Indexing to better take advantage of tax loss harvesting and tax sensitive rebalancing

• Rebalance Regularly: Reassess your portfolio every quarter or set a drift threshold (e.g. 25%) to match your risk preferences and use tax loss harvesting in taxable accounts.