One of the earliest rules investors learn is to have a diversified portfolio. Investing is inherently risky, but diversification decreases systematic risk. Our portfolio models include investments in growth equities, dividend equities, high quality bonds, and alternatives.

Keeping your tax bill in mind, we invest in tax-advantaged accounts (529s, HSAs, IRAs) and make tax-efficient investments (municipal bonds) when possible. We also watch for your capital gains, and use strategies like tax-loss harvesting to reduce your tax bill when needed.

Diversifying your portfolio is not a one and done activity. As certain asset classes perform differently, your investments (and your level of risk) change too. Rebalancing assures your portfolio is weighted to your desired asset allocation.

All of our investments are held at Schwab, meaning along with our team’s expertise, we have the deep resources of Schwab guiding us along the way. If you have outside investments we will include those in your overall strategy.