Better Portfolios – Better Designed. Better Aligned.
What is my basic plan?
We develop a personalized glidepath – a “roadmap” -- for you based on your financial goals, current wealth, anticipated savings, spending, and taxes. The glidepath is optimized to minimize the risk of falling short of what you need, when you need it.
This personalized glidepath helps us navigate through your financial goals and will change as your needs and circumstances change.
Most glidepaths are built for the “average person” and assume the world is completely “normal.” We create custom glidepaths because we know that you are unique, and that the world today is far from normal.
Is my plan viable?
A viable plan is one that balances your long-term need for wealth accumulation and subsequent spending with concern about short-term losses. We test viability along numerous dimensions by employing mathematical techniques that simulate many possible paths that markets can take.
The simulation engine we use considers many real-world factors that other simulators do not. The simulation outcomes give us better insights into the viability of your financial plan in a variety of circumstances and increase our confidence in your plan.
How does my portfolio change with the market?
We actively adjust your portfolio to account for changing market conditions. As certain market segments become more attractive, we shift your portfolio to own more of those areas and less of the unattractively valued areas. Our goal is to increase your return over time using a tried-and-true investment approach – all in the context of your specific circumstances and your plan.