How We Invest

Disciplined, algorithmic wealth management. A sensible core portfolio first. Two edges—options income and tax-aware automation—used when they genuinely help.

Core Portfolio (Default)

Your foundation: diversified, low-cost, systematically rebalanced. We start here for everyone—no complexity unless it adds value.

Diversified

Global equity and fixed income exposure across asset classes, sectors, and geographies. No single-stock bets.

Low-Cost

Index-based implementation keeps costs minimal. Every basis point saved is a basis point earned.

Rebalanced

Algorithmic rebalancing maintains target allocations. Buy low, sell high—systematically, not emotionally.

⚠️ All investing involves risk, including potential loss of principal. Diversification does not guarantee profit or protect against loss.

Options Overlay (Optional)

Important: Options strategies are only appropriate for suitable clients with portfolios typically $500K+ who fully understand the risks. Many clients choose our core portfolio approach without any options exposure—and that's perfectly fine.

Small, measured use of options strategies to potentially enhance income. Always an optional overlay (5-15% max), never the main strategy. Core portfolio comes first.

When We Use It

  • • Portfolio size typically $500K+
  • • Client has suitable risk profile
  • • Volatility premiums justify the risk
  • • Position sizing stays conservative (5-15%)
  • • Clear exit strategies are defined

When We Won't Use It

  • • Portfolio under $500K (typically)
  • • Risk tolerance doesn't support it
  • • Market conditions aren't favorable
  • • Costs outweigh potential benefits
  • • Client prefers simplicity

Reality check: Options can enhance returns but also increase risk. We use them as a tool, not a promise. Historical win rates don't guarantee future results.

⚠️ Options involve additional risks and aren't suitable for all investors. Prior to trading options, you must receive the OCC's options disclosure document.

Tax-Aware Automation

Daily monitoring for tax-loss harvesting opportunities. We capture losses when they make sense, not just at year-end.

When We Harvest

  • • Tax benefit exceeds transaction costs
  • • Suitable replacement available
  • • No wash sale rule violations
  • • Aligns with overall strategy

When We Skip It

  • • Costs outweigh tax benefits
  • • Would trigger wash sale rules
  • • Tax-exempt account (IRA, etc.)
  • • Long-term gains more valuable

Keep in mind: Tax-loss harvesting can reduce current taxes but doesn't eliminate them. Benefits vary by individual tax situation.

⚠️ Tax-loss harvesting may not be suitable for all investors. Consult your tax advisor about your specific situation.

Who This Is For / Not For

This Is For You If:

  • ✓You want disciplined, systematic investing
  • ✓You value transparency and daily oversight
  • ✓You're comfortable with measured complexity when it adds value
  • ✓You care about tax efficiency
  • ✓You prefer process over promises

This Isn't For You If:

  • ✗You're looking for guaranteed returns
  • ✗You want to pick individual stocks
  • ✗You need immediate access to all funds
  • ✗You prefer set-and-forget investing
  • ✗You're uncomfortable with any options strategies

Ready for Disciplined, Algorithmic Investing?

Let's discuss how our approach might fit your situation. No promises, just a clear explanation of what we do and don't do.

No performance promises. We'll explain options and taxes in plain English.