Personal Strategy™

Investment methodology

Our investment methodology is built upon sector and style weighting, risk minimization and tax optimization. We’ll build a personalized portfolio based on your unique situation and goals.

Learn more about our investment strategies

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A sound approach

Retirement planning

We’ll help you plan your financial future by using our Retirement Planner to identify the optimal approach to meet your financial needs.

Portfolio strategy

We’ll tailor your portfolio strategy to your specific financial situation and to your level of risk tolerance.

Investment planning

We’ll work with you to build an investment plan that is both cost and tax-efficient.

How we invest

We’ve improved upon the traditional index approach with our award-winning technology, giving you a personalized portfolio strategy and a team of advisors to execute it.

Personal Strategy app for Illustrative purposes

Personal Strategy® investing principals

Our investment committee oversees investing based on our five guiding principles

By seeing your complete financial picture, we can provide an efficient allocation. As your life evolves, we will recommend allocation adjustments to keep your strategy current with your ever-changing situation.

Dynamic portfolio allocation

Because we see your complete financial picture, we can provide an efficient allocation. As your life evolves, we will recommend allocation adjustments to keep the strategy current with your ever changing situation.

Personalization

We don’t believe in a “one size fits all” portfolio. Our approach is tailored to you and your goals. Together, we’ll create a plan that’s based on your preferences, and what stage you are in your life.

Smart Weighting

By limiting exposure to any one sector, size or style in favor of greater diversification and balance, you are better protected against downside risk when a particular market or segment declines.

Tax optimization

Tax location places assets in different account types to help minimize taxes (higher yield securities being placed in tax-sheltered accounts when possible). Tax-loss harvesting can offset realized capital gains and be written off against income up to relevant IRS limits.

Rebalancing

Ongoing rebalancing, that occurs when the market presents opportunities, can help avoid costly emotional mistakes and helps you buy low, sell high and remain well-diversified. Our research shows that regular rebalancing can significantly enhance portfolio value over time.

Investment committee

The investment committee is dedicated to constructing and maintaining strategic investment portfolios. This process includes portfolio construction, security selection, portfolio monitoring and trade oversight. The committee combines expertise and decades of experience to build a wide range of portfolios designed to help clients like you meet their financial goals.

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