We define client objectives, risk tolerance and time horizon in order to construct a customized and tax-efficient portfolio. Individually developed portfolios are broadly diversified across asset classes and within asset sectors. Academic evidence indicates that securities markets are generally efficient. Therefore, we consider low cost investment strategies designed to capture market and asset class returns superior to one based on individual stock picking or market timing.
We believe it is very important to consider income tax costs when managing taxable portfolios. We strive to use mostly tax efficient investments with a keen eye towards asset location. Additionally, we work closely with our clients and their CPAs to examine the income tax consequences of retirement plan funding, retirement distributions, IRA conversions, minimum required distributions, and 401(k) Plan rollovers.
Socially Responsible Investing
We support our clients who are committed to SRI by offering access to a large breadth of SRI options. We start by helping clients frame their definition of social responsibility and then use qualitative analysis to filter out the areas of concern. We then implement strategies that are focused on both the rate of return and the overall social good of the underlying investments in a portfolio. We remain committed to monitoring SRI and continually update our clients on new offerings and progress in the industry.
We work with our clients to define and analyze simple and complex financial decisions. We develop effective financial strategies and strive to simplify complex planning issues.
We work closely with our clients and their attorneys to explore the range of estate planning and estate tax reduction alternatives. In conjunction with our clients’ attorneys, we review estate planning documents, annual gift planning and lifetime gift tax exclusions.
As our clients accumulate assets, they often turn their attention to charitable desires. We assist our clients in defining their charitable desires and implementing a plan based on overall assets, charity budget, personal requirements, and income tax profile.