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Investment Management

Simple, transparent, and coordinated with your plan.

Design my portfolio

Household AUM Pricing

  • 1.50% annually on assets up to $2,000,000
  • 1.00% annually on assets over $2,000,000

How billing works

  • Calculated on household assets under management; billed monthly based on average daily balance.
  • No commissions. Custodian and fund/ETF expenses may apply and are disclosed.

What’s Included

  • Portfolio design tied to your Investment Policy Statement (risk budget, allocation, constraints).
  • Asset location across taxable / pre tax / Roth to reduce lifetime taxes.
  • Drift band rebalancing and rules based trading windows.
  • Cash & liquidity management: monthly paychecks, tax set asides, and operating buffers (for owners).
  • Tax aware transition plan from current holdings to target with minimized friction.
  • Gain/loss harvesting coordination with the annual Tax Moves Calendar.
  • Charitable gifting support using appreciated securities (DAF or direct, when suitable).
  • RMD/QCD execution support and beneficiary alignment (with your tax/legal team).
  • RMD/QCD execution support and beneficiary alignment (with your tax/legal team).

Deliverables

  • Investment Policy Statement (IPS)
  • Asset Location Map
  • Rebalancing Policy & Calendar (drift bands, funding order)
  • Tax‑Aware Transition Plan
  • Household Statement Pack (performance, allocation, realized gains/losses, fees)
  • Cash & Liquidity Ladder (owners/retirees as applicable)

Investment management integrates with the six‑pillars of financial planning (Retirement Income, Tax, Risk, Estate, Behavioral Coaching) for decisions that play nicely together.

Faqs

Are there commissions or trading fees?

No commissions. Standard custodian and fund/ETF expenses may apply.

With an independent custodian; you retain full account ownership and online access.

Monthly, on the average daily balance of managed assets; shown on your statements.

No stated minimum to engage. Note that $500,000 AUM waives the ongoing PWC subscription fee.

Transitions are planned to manage gains/losses. Harvesting is coordinated with your Tax Moves Calendar; tax advice is handled with your CPA.

Evidence‑based core exposure; selective tilts only when they improve the plan or tax outcome.

Ready for a portfolio that reduces complexity and supports your plan?

Design my portfolio

With whom would you like to schedule?

Sean Williams

PRINCIPAL AND LEAD ADVISOR

Nick O’Kelly

DIRECTOR OF FINANCIAL PLANNING AND LEAD ADVISOR