Investment Management

Ongoing, goals-based investment management designed to support long-term financial objectives.

Who This Service Is For

Investment management is designed for:

  • Individuals and families seeking professional portfolio oversight

  • Small business owners managing investable assets alongside broader financial goals

  • Clients who prefer a long-term, disciplined investment approach

This service is appropriate for those who value consistency, diversification, and alignment with their personal financial goals and risk tolerance.

Investment Philosophy

Our investment approach is long-term and buy-and-hold in nature, structured around each client’s financial goals, time horizon, and risk tolerance.

Portfolios are constructed using a blend of low-cost exchange-traded funds (ETFs) and mutual funds, incorporating both passive and actively managed strategies as appropriate. The objective is not short-term performance but thoughtful portfolio construction designed to support long-term outcomes.

What Investment Management Includes

Investment management services include:

  • Portfolio construction aligned with stated goals and risk tolerance

  • Ongoing monitoring and periodic rebalancing within established allocation thresholds

  • Use of diversified, low-cost investment vehicles

  • Performance reporting and portfolio reviews

Allocation targets and rebalancing guidelines are reviewed as part of the ongoing investment management relationship.

How the Relationship Works

  1. Initial conversation to understand goals, risk tolerance, and overall financial picture

  2. Portfolio implementation based on agreed-upon parameters

  3. Ongoing monitoring, reporting, and periodic reviews

Clients typically hear from us at least quarterly, with regular reporting provided throughout the year.

Fees and Minimums

Investment management is provided for an ongoing fee based on assets under management.

  • Standalone investment management: 0.85% of assets under management

  • Premier planning clients: Reduced investment management fee to 0.60% (0.25% discount)

  • Minimum account balance: A $25,000 minimum applies for standalone investment management. There is no minimum account balance requirement for clients who engage in financial planning services.

Fees are clearly disclosed in advance and detailed in the advisory agreement.

How This Service Fits With Financial Planning

Investment management may be offered as:

  • A standalone service, or

  • Part of a broader financial planning relationship

A comprehensive financial plan is not required, though many clients choose to integrate investment management into their planning for a more coordinated approach.

What This Service Does Not Include

To set clear expectations:

  • No market timing or day trading

  • No commissions or proprietary products

  • No performance-based compensation

All investment management services are provided on a fiduciary basis.

Disclosures

All investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. Investment strategies are designed to meet stated objectives and risk tolerance, but outcomes cannot be guaranteed.

CTAs

If you are considering investment management and would like to explore whether this service is a good fit:

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