Fiduciary Consultation
Clients
Investment management services focused on disciplined strategy, intentional asset allocation, and continuous oversight.
Markets fluctuate. Emotions follow. Our role is to provide steady financial investment advice that aligns with your long term goals, risk tolerance, and income needs. We focus on managing risk, preserving capital, and building wealth alongside structured financial planning strategies.
Review My PortfolioFive principles guide every portfolio decision we make. Tap one to learn more.
Every portfolio is built systematically, starting with the plan and working outward to ensure every decision serves your goals.
Your objectives, circumstances, and financial plan determine your risk targets and investment strategy. Return objectives, risk tolerance, liquidity, taxes, and constraints are all defined in the Investment Policy Statement.
We use 10-year forward-looking capital market assumptions to determine which asset classes to diversify across and in what proportions.
We primarily use low-cost passively managed funds for the core portfolio. When appropriate, we may employ actively managed funds with reputable managers or individual securities within the rotational sleeve.
Different accounts carry different tax implications. We keep tax-efficient vehicles in taxable accounts and tax-inefficient vehicles in tax-advantaged accounts, maximizing after-tax returns.
You're more than a number. We treat our clients and their money as such.
| Service | Description | |
|---|---|---|
| Client Communication | ||
| Quarterly Investment Report | Written report on the 6 - 18 month market and economic outlook. Samuel Resultan's own thoughts on what he sees and what that means for your retirement portfolio. (Written in plain English) | |
| Annual Portfolio Review | We meet annually to answer questions and discuss portfolio changes. | |
| Ongoing Correspondence | Answering your phone calls and communicating with you as we navigate market uncertainty. | |
| Due Diligence and Research | ||
| Fund Manager Due Diligence | We conduct fund manager due diligence to evaluate investment teams, operational infrastructure, and strategy execution. Through granular attribution analysis, we identify and qualify institutional managers. | |
| Investment Analysis | We use top-down fundamental analysis to gauge broader macroeconomic health, identify our position in the business cycle, and overweight the highest-conviction sectors. | |
| Investment Strategy | ||
| Tax Loss Harvesting | Intentionally selling investments at a loss to offset short-term or long-term capital gains. | |
| Direct Indexing | Owning the individual stocks within an index, instead of an index ETF, for precise tax loss harvesting. | |
| Tactical Allocation | Deviating slightly from the investment strategy to capitalize on short-term opportunities or mitigate risk. | |
| Asset Location | Placing tax-favored investments in taxable accounts and tax-inefficient vehicles in tax-efficient accounts. | |
| Portfolio Maintenance | ||
| Annual Rebalancing | Bringing the portfolio back within target weights while keeping capital gains in mind. | |
| Portfolio Optimization | Allocating asset class weights using forward-looking Capital Market Assumptions and Mean Variance Optimization. | |
| Cash Management | Replenishing and managing cash reserves. | |
| Securities-Based Lending | On-demand liquidity without triggering capital gains tax. | |
Many standard retirement plans miss key insights, leaving your life savings to chance. Here's what most plans get wrong.
Most plans assume spending is constant throughout retirement. When you first retire, spending is high: trips, hobbies, dining out. As you age, you slow down. Eventually, healthcare costs rise while discretionary spending falls.
A $1 million 401(k) isn't really $1 million. It's split between you and Uncle Sam, and Uncle Sam wants roughly 30%. Strategic tax planning can significantly reduce that burden and keep more money in your pocket.
Most plans assume economic conditions are constant, but when you retire matters enormously. We can't predict the future, but we can assess today's climate and plan accordingly.
Stocks and bonds have become increasingly correlated. A truly diversified plan must look beyond the traditional mix to protect against downturns when both move in the same direction.
Your risk questionnaire score is only half the picture. Willingness and capacity to take investment risk are two distinct dimensions, and confusing them is one of the most common mistakes in retirement planning.
Read Article →Sequence of returns risk is one of the most consequential risks in retirement planning. Learn what it is, why timing matters, and how a retirement spending plan can help you prepare.
Read Article →Borrowing from your 401(k) may seem like a smart move before retirement, but the real cost isn't the interest rate. It's the growth you give up while your money sits uninvested.
Read Article →