Investment Management

A simple, tax‑smart portfolio built around your real‑world risks—so your money supports your life, not the other way around.

What is Investment Management?

How much risk you actually need to reach your goals (and not more).
Spreading money across different investments so one bad patch doesn’t sink the plan.
Which accounts to hold which investments in to help keep taxes down.
When to rebalance—using simple bands instead of guessing.
Keeping enough cash for bills, taxes, and slow seasons so you’re never forced to sell.
A clear path from today’s holdings to the target mix, with as little tax and friction as possible
For business owners: how salary vs. draws and a future sale fit into your income.

Right‑size growth vs. stability so payroll and taxes are safe through slow seasons.
Keep a dedicated Business Buffer separate from your long‑term portfolio.
Sequence excess cash to 401(k)/Cash Balance or taxable/Roth depending on bracket and exit runway.
Manage customer/industry concentration with counter‑weights in the portfolio.
Plan a tax‑aware transition for any concentrated holdings from a sale or equity comp.

Investment Policy Statement (IPS) – objectives, risk budget, allocation, rebalancing rules, and monitoring.
Asset Location Map – which assets live in taxable vs. pre tax vs. Roth.
Rebalancing Policy & Calendar – drift bands, funding order, and cash refill rules.
Tax Aware Transition Plan – step by step from current holdings to target.
Business Liquidity Plan (if applicable) – operating buffer + LOC/HELOC framework.
Reporting & Review Cadence – what we track, when, and how decisions are made.

Should I be 60/40?

Maybe—but your risk budget (including your business) decides, not a rule of thumb.

Active or passive?

We use evidence‑based core exposure; active tilts only when they improve the plan or taxes.

Can we invest in private deals?

Only if they fit your risk budget, liquidity needs, and due diligence standards.

How often do we trade?

On schedule or when drift bands trigger. No guesswork, no chasing headlines.

Can you work with my CPA/attorney?

Yes—asset location, harvesting, and transitions are coordinated with your tax/legal team.