OUR APPROACH
Three principles behind every portfolio
Personal Objectives
Goals, time horizon, risk tolerance, and tax situation, mapped before a single dollar moves.
Evidence-Based Construction
Diversified exposure to risk premiums with decades of academic research behind them, not a hunch.
Rules-Based Management
Rebalancing on a system, not on emotion, with continuous monitoring against your target risk/return profile.
THE PART MOST ADVISORS MISS
When most of your wealth is in one stock
Direct indexing lets us harvest tax losses while gradually reducing concentration in a single name — without triggering the tax bill of selling it all at once. It's built specifically for the RSU and ISO-heavy portfolios we work with every day.
WHY THIS, NOT A GENERIC PORTFOLIO
Discipline and design, working together
Rules-Based, Not Emotional
Markets move fast, and emotional decisions rarely age well. Our rebalancing systems are built to remove that variable — the same discipline applied every time, regardless of what the headlines say this week.
Built Around Concentrated Positions
Most model portfolios assume you're starting from a blank slate. We start from where you actually are — often holding significant, low-basis stock — and build a diversification path that doesn't ignore the tax bill.