You deserve a higher level of service

Data-driven portfolio construction

We start by listening to you, through discussions with your advisors, then we take a look at your Dashboard to build a personalized portfolio. As your life changes, the strategy adjusts and adapts so it aligns with your changing needs.

Smart weighting

Smart Weighting is our strategy for giving your portfolio more even exposure across size, economic sector, industry and individual securities. In a hypothetical back-test* from 1990 to end of June 2019, Smart Weighting would have produced better returns with a lower risk profile (measured by standard deviation) than a traditional market-capitalization weighted index like the S&P 500.

Efficient tax management

If appropriate, we’ll put together a tax analysis before we make adjustments to your portfolio. This way you’ll see the potential impact of any adjustments, plus other options, to help you make a decision you’re comfortable with. We deploy strategies such as tax location (placing higher yielding securities in tax-sheltered accounts) and proactive, year-round tax loss harvesting. We do these on an ongoing basis, to increase tax efficiency. We also like to avoid inefficient investments, like mutual funds.

Disciplined rebalancing

Once your target strategy is set, sticking to that target is key. Using our proprietary software, we monitor your account on a daily basis to uncover rebalancing opportunities as they arise. We then make adjustments if appropriate, buying when things are lower than their target & selling when they're higher than target, to help you stay on track. This combination of people and technology allows us to rebalance as-needed, rather than on a rigid, calendar-driven schedule.

Individual stocks & ETF portfolio

We prefer individual stocks and ETFs for two main reasons. First, they are key to our Smart Weighting™ strategy. Additionally, we can manage them in a tax efficient way and rebalance in a more precise manner. We avoid mutual funds because they come with tax inefficiencies and, in many cases, there are high fees tied to actively managed funds.

Cash flow planning and projections

You save for retirement. But what about retirement spending? With the combination of our skilled advisors and proprietary Smart Withdrawal™ Tool, we can help you plan how to withdraw and spend money in retirement. The Smart Withdrawal Tool factors in your data and adjusts in real time to keep your cash flow planning on track.

Education & college planning

College is expensive, but we can help you put together a plan to fund education goals over time. From the highest level goal of “I want to pay for my child’s education” to the most specific “I want to pay for my grandchild to attend UCLA in 6 years”, we’ll help you build a plan, using our skilled financial advisors and proprietary financial tools.

Employer retirement plan strategy

How’s your 401(k)? We strive to position all of your assets to work together. so we'll review your active retirement plan investment options and provide a recommendation that aligns with your overall investment strategy. This way your active retirement plan and outside, liquid assets can work seamlessly together to help you meet your goals*.

* May not be available for all plans.

Estate planning guidance

Do you have an estate plan? If not, don’t worry. Our estate planning specialists can help. They’ll discuss your current and future legacy goals in detail, review your existing estate structure and provide suggestions on what should be adjusted over time to meet your objectives.

Insurance coverage review

Many investors wind up with far too much, or far too little, insurance over time. They’ve either been sold policies over the years they don’t need, or they’ve avoided insurance agents for fear of being “sold.” We can provide a neutral review of your current insurance coverage. We’ll then provide a recommendation if you need more (or less) coverage. We’ll be acting as your fiduciary.