Our focus when managing portfolios that support a retirement income is eliminating what we consider unnecessary fees and risks. We consider it wasteful to incur fees to time markets and we consider it risky to limit investing to concentrated positions or sectors.

Instead, we’ll maintain a precisely balanced portfolio to meet the specific needs of each client. As markets ebb and flow, we act with discipline and conviction in pursuit of each client’s short and long term goals.

Active Tax Management

Expenses detract from bottom-line performance results and restrict a portfolios long term growth potential. Taxes resulting from realizing gains and the payment of income and dividends are a prime source of portfolio expense. Our ongoing approach to portfolio management focuses on minimizing tax expenses:

  • Using inherently tax efficient investment vehicles
  • Planning to avoid realizing gains, particularly short-term
  • Taking advantage of market volatility to harvest losses