Four portfolio solutions and a network of specialist managers — assembled to match the job each dollar is doing, and the tax character of the account it sits in. Every solution can be used on its own or blended; allocation across them is a planning decision, reviewed with you and adjusted as the plan changes.
Most portfolios are assembled product-first and explained later. We start from the plan: the income you need, the risk you can carry, the gains you are already sitting on, and the goals with a date attached. The platform is how that gets implemented.
Globally diversified core portfolios built to a defined risk profile, from capital preservation through growth — implemented through liquid exchange-traded funds, so the portfolio can be repositioned when the plan calls for it.
Exposure to assets and strategies not expected to move in step with stocks and bonds — implemented through ETFs, avoiding the lockups, capital calls and eligibility hurdles of traditional alternative structures.
For households drawing from the portfolio now, or building toward a date when they will — while a growth allocation stays in place for the years the income still has to last.
Defined-outcome and hedged equity strategies that trade away some upside for a stated buffer against loss — built for money with a short horizon, or a plan that cannot absorb a full drawdown at the wrong moment.
Some problems are not solved by a model portfolio. We partner with institutional managers and specialist desks to deliver purpose-built capabilities directly inside your accounts, at pricing and minimums historically out of reach for individual investors. We select and monitor the managers; you keep one point of contact.
Option-based and diversification strategies for a holding that has outgrown the rest of the portfolio: collars, covered calls, protective structures, exchange-style diversification, and staged unwinds sequenced against your tax picture and any trading window or 10b5-1 constraint.
Direct indexing and tax-managed separate accounts that hold the underlying stocks rather than a fund wrapper. Losses are harvested through the year and gains are realized deliberately, so the tax outcome is an input to the strategy instead of a surprise every February.
Laddered and custom municipal, treasury and corporate portfolios built to your state, credit quality and maturity preferences. You own the bonds, so maturity dates can be matched to known future outlays and call structure is a choice rather than a fund average.
Access to institutional active managers in separate account form, including tax-aware implementations that ordinarily require far larger minimums. Used where the evidence supports active management for that asset class, alongside indexed exposure where it does not.
Borrowing against the portfolio instead of liquidating it: securities-based portfolio loans, and box spread financing where the rate advantage justifies the structure. Useful for a bridge, a tax bill or a purchase you would rather not fund by realizing gains. Rate, maintenance requirements and repayment path are reviewed before anything is drawn.
Transition analysis before a dollar moves: what transfers in kind, what has to be sold, the embedded gain that would trigger, and a multi-year path when the tax bill argues for patience. Nothing gets liquidated for the convenience of fitting a model.
Risk analysis, cash flow, tax position and the goals that have dates attached. We establish what each pool of money is actually for before discussing any strategy.
Solutions are selected and weighted to that job, then placed in the accounts where their tax treatment does the most good. Where a specialist is warranted, we bring one in.
Rebalancing, loss harvesting, distribution management and annual review — with the allocation revisited when the plan changes, not when the market makes headlines.
Every solution on the platform has to clear the same three tests before it earns a place in your portfolio. Complexity is only worth owning when it does something a simpler holding cannot.
Exposure is implemented in vehicles you can exit. Even the non-traditional sleeve is accessed through ETFs — daily pricing, no lockups, no capital calls.
Total cost is measured in full — fund expense, trading and tax drag — not just the line item you can see on a statement.
Each solution is weighted to what it is actually there to do, and revisited when your plan changes rather than when markets move.
An introductory conversation covers your current holdings, embedded gains and what the portfolio is being asked to do. No transfer of accounts is required to have it.
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