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INVESTMENT MANAGEMENT

A wide range of customized solutions, built by us for you.

THE ABC’S OF CASH FLOW™

Forget about old school Risk Tolerance Evaluators where everyone ends up in the same moderate risk portfolio. Our process segments your assets as either Available, Buffer, or Compound.

Your safe Available and Buffer assets should be a product of your cashflow needs, not simply a percentage of your total assets. This allows for the maximum allocation to accumulation focused Compound assets while protecting your cash flow desires.

A

Available

B

Buffer

C

Compound

    The ABC’s of Cash Flow™
    We work with you over time to implement and maintain an appropriate long term risk/return and offer a wide array of management strategies to tailor solutions for your specific desires.
    Download our Interactive Goals Worksheet
    The ABC's of Cashflow™ - Interactive

    Which solution is right for you?

    Efficient Solutions

    Our Efficient Solutions aim to be as efficient as possible by maximizing after‑tax returns while taking on the least amount of risk. This is accomplished by building portfolios with an optimal mix of asset classes and selecting best‑in‑class securities to represent each class.

    While traditional portfolios typically blend stocks and bonds, our approach goes further. In addition to stocks and bonds, we incorporate alternative investments and buffered equity products to help reduce volatility and provide additional protection against market downturns.

    Alternative investments offer exposure to assets that aim to behave independently from public markets. Their role is to help safeguard your portfolio during market selloffs and to increase portfolio efficiency. Examples of alternatives we use include commodities (such as gold), real estate, and private investments. Buffered equity products use options to create a defined “cushion” against a set percentage of losses over a specified period. In exchange for this downside protection, potential gains are typically capped. These buffered products are packaged as exchange-traded funds (ETFs) and serve as a powerful, lower-risk alternative to traditional equity exposure.

    Below are three strategies offered within our Efficient Solutions framework. Together, we’ll help you select the approach that best aligns with your risk tolerance, time horizon, and financial goals.

    Core Strategy

    Our flagship strategy. The Core portfolios invest in a blend of actively and passively managed funds with no investment restrictions. It serves as the primary choice for most investors due to its flexibility and broad diversification.

    Passive Strategy

    The Passive portfolios mirror the asset allocation of our Core strategy but invest exclusively in low‑cost, passively managed funds. This option is ideal for investors seeking broad passive market exposure with minimal investment expenses.

    Income Strategy

    The Income portfolios prioritize investments that generate consistent dividends and interest. These portfolios often include value‑oriented equity holdings and aim to provide reliable, ongoing cash flow.

    Strategic Solutions

    Our Strategic Solutions are designed for clients whose distinct circumstances, preferences, or objectives call for a more tailored investment approach. Each strategy is supported by our ongoing research, risk oversight, and portfolio management expertise, allowing us to actively refine and enhance your portfolio over time.

    Dimensional Portfolios

    These portfolios are globally diversified and built on decades of academic research in financial economics. They use Dimensional ETFs to consistently apply a systematic, evidence-based approach targeting areas of the market associated with higher long-term returns. This includes capturing premiums linked to factors such as company size, value, and profitability—without relying on forecasts or market timing.
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    GP 25 Stock Portfolio

    This strategy focuses on long-term ownership of high-quality businesses with strong financial foundations and proven resilience. It typically holds about 25 U.S. large-cap, dividend-paying stocks and follows a buy-and-hold approach with minimal trading. This structure supports tax efficiency, reduces turnover, and keeps the focus on long-term fundamentals rather than short-term market movements.
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    Strategic Asset Management

    This defensive strategy uses technical analysis to adjust exposure to stocks and bonds based on market trends, volatility, and other indicators. It aims to capture market opportunities while helping protect against major downturns, including the use of buffer ETFs for added downside protection. It’s best suited for cautious investors willing to trade some upside potential for greater stability.

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    Separately Managed Accounts

    Separately Managed Accounts (SMAs) allow you to directly own individual stocks or bonds rather than a fund. This provides greater flexibility, personalization, and transparency, with portfolios tailored to your goals and preferences. SMAs can also offer enhanced tax management based on your specific situation. Due to this customization, they typically require a minimum investment of $100,000.
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    Relationship. Creativity. Leadership.

    We strive to be the best advisors in the world, for YOU. We can only do that by understanding your dreams, hopes and ambitions. If we know you better than anyone else, we can see solutions no one else can.
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