Investment Management Services
Keep your retirement plans on track
Our investment management services aim to manage risk and help support your income strategy
Focus on Cost-Effective Investing
Minimizing investment costs is important for supporting long-term investment goals. High fees can eat away at your savings over time, so using low-cost options like index funds or ETFs can help preserve more of your returns. By keeping expenses low, more of your money stays invested and working toward your financial goals. That's why we design our portfolios with a focus on keeping costs low.
Identify Tax-Efficient Investments
Tax-efficient investments can play a role in long-term planning, depending on your situation. We take a long-term approach that emphasizes cost-effective investments with lower turnover, which can help support tax-aware portfolio construction and reduce unnecessary costs.
Rebalance Your Portfolio Regularly
Portfolio rebalancing helps maintain the right asset mix by adjusting for market fluctuations. This offers several key advantages, including:
- Reduced Risk: Regular rebalancing keeps your portfolio in line with your risk tolerance by preventing significant shifts in asset allocation.
- Systematic Discipline: We remove the emotional element of investing, guiding you to buy low and sell high without the stress of decision-making.
- Consistent Allocation: Adjusting your portfolio periodically keeps it aligned with your long-term financial goals.
We leverage technology to rebalance your portfolio, ensuring a consistent approach backed by research and data.
Your retirement journey starts here
Retirement comes with big financial questions. Whether you’re preparing for retirement or already retired, our Free Retirement Evaluation breaks down where you stand today and what you may want to consider next, giving you clarity around income, taxes, and long-term planning.
Frequently Asked Questions
Do you actively trade my account?
No, we follow a long-term investment philosophy using diversified investments. Rather than frequent trading, we focus on maintaining a consistent allocation and making adjustments only when needed, such as during rebalancing or when your financial situation changes.
What types of investments do you typically use?
We primarily use investments such as exchange-traded funds (ETFs) and mutual funds. These are selected based on your risk profile, time horizon, and financial goals. Our goal is to keep overall portfolio expenses low.
How often do you rebalance my portfolio?
We use a method called tolerance band rebalancing, which monitors your portfolio continuously and only triggers changes when an investment drifts beyond a set range. This approach avoids unnecessary trading while helping maintain your target allocation. It’s a disciplined, research-backed way to reduce risk, stay aligned with your financial plan, and remove emotion from the decision-making process.
Will my portfolio be customized for me?
Yes. Each portfolio is built based on your individual financial goals, risk tolerance, and time horizon. We use a blend of our investment models and tailor them to fit your unique financial situation.
How do you determine the right asset allocation for me?
Investment Management Is Only One Piece of Your Retirement Plan
We offer a broad range of retirement-focused planning services designed to help you make informed financial decisions as you prepare for the years ahead.
