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Investment Management

A Portfolio Built Around Your Real-World Risks

A simple, tax-smart portfolio, so your money supports your life, not the other way around.

Design My Portfolio
What Is It

What Is Investment Management? (Plain English)

  • 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 Retirees / Nearing Retirement
  • Coordinating the portfolio with a TWA-style bucket structure so near-term spending isn't exposed to market swings.
  • Setting guardrails that adjust spending before a downturn forces a bigger correction.
  • Sequencing withdrawals across taxable, tax-deferred, and Roth accounts to manage bracket and IRMAA exposure.
  • Planning for longevity so the portfolio is built to last decades, not just to retirement day.
For Business Owners (Pre / Post Exit)
  • Right-sizing growth vs. stability so payroll and taxes are safe through slow seasons.
  • Keeping a dedicated Business Buffer separate from your long-term portfolio.
  • Sequencing excess cash to 401(k)/Cash Balance or taxable/Roth depending on bracket and exit runway.
  • Managing customer/industry concentration with counter-weights in the portfolio.
  • Planning a tax-aware transition for any concentrated holdings from a sale or equity comp.
What You'll Receive

Real Deliverables, Not Just Advice

Asset Location Map

Which assets live in taxable vs. pre-tax vs. Roth.

Time-Weighted Allocation

Your bucket structure and target mix, tied to when you'll actually need the money.

Tax-Aware Transition Plan

Step by step from current holdings to target.

Tax-Loss Harvesting Monitoring

Watching for opportunities to offset gains, without drifting from the target allocation.

Real Scenarios

Mini Case Studies

Business Owner

Grading Company Owner, Age 49

Right-sizing risk against a concentrated business, plus a Business Buffer separate from the long-term portfolio.

 Retiree

Retiree, Age 66

An Investment Policy Statement built around guardrails and a tax-aware withdrawal sequence.
Common Questions

FAQs

Maybe, but your risk budget, including your business, decides that, not a rule of thumb.
We use evidence-based core exposure; active tilts only when they improve the plan or the taxes.
Only if they fit your risk budget, liquidity needs, and due diligence standards.
On schedule, or when drift bands trigger. No guesswork, no chasing headlines.
Yes, asset location, harvesting, and transitions are all coordinated with your tax and legal team.

Ready for a Portfolio That Fits Your Life?

Design My Portfolio

With whom would you like to schedule?

Sean Williams, CFP® CEPA® RICP®, Founder of Cadence Wealth Partners, reviewing a client's business exit plan

Sean Williams

PRINCIPAL AND LEAD ADVISOR

Nick O'Kelly, CFP® RICP®, Director of Financial Planning at Cadence Wealth Partners, going over a retirement income strategy

Nick O’Kelly

DIRECTOR OF FINANCIAL PLANNING AND LEAD ADVISOR