01
A personal allocation model
Your mix of growth and safety, set from your timeline and modeled against bad decades — not a questionnaire score.
What this covers
Most portfolios we review were built backwards — funds picked first, plan never. We flip that order: your retirement date and spending decide the allocation, then we fill it with low-cost, diversified holdings and keep it rebalanced across every account you own.
- Allocation tied to your plan, not your age alone
- Tax-aware rebalancing across every account
- 401(k) and equity-comp coordination
What's Included
Everything handled for you.
02
A low-cost fund lineup
Broad index funds where they win, focused positions only where they earn their fee. No loaded funds, ever.
03
Rebalancing and tax-loss harvesting
We trim winners, buy dips, and harvest losses in taxable accounts — you never place the trades.
04
Every-account coordination
401(k), IRA, Roth, HSA, and brokerage managed as one portfolio, with each account holding what it holds best for taxes.
How It Works
Three steps, thirty days.
STEP 01
Map the target
We learn your timeline, spending, and risk capacity, then set the allocation your plan actually needs.
STEP 02
Build the portfolio
Holdings placed account by account for the lowest lifetime tax drag, in plain language you can repeat back.
STEP 03
Keep it on track
Quarterly rebalancing, annual tax-loss review, and a yearly check that the mix still matches the plan.
Questions about Investment Planning
Do you pick individual stocks?
Generally no. Decades of evidence favor broad, low-cost diversification — we use index funds as the core and add focused positions only where they clearly earn their place.
What does investment management cost?
Our work is flat-fee and agreed in writing before we start — $350 for a focused review, $650 for a complete plan, $950 for executive engagements. No asset percentages, no commissions.
Can you work with my 401(k) if you can't hold it?
Yes. We model your 401(k) inside the whole portfolio, tell you exactly which funds to hold there, and rebalance around it every quarter.
Get Started
Talk through Investment Planning with an advisor.
Book a free 30-minute call — we'll map your next three moves whether you hire us or not.