Investment Management

Our Philosophy

Your investment portfolio plays an integral role in your overall financial plan. It is the wealth building component of all the pieces to the puzzle. We create, manage, and monitor personalized investment accounts for you. We oversee all phases of the management process from the initial planning to performance reporting.

Our philosophy takes on a long-term strategic approach to investing while mitigating expenses (investment management fees and taxes) using low cost, globally diversified investment options.

Tolerisk® uses a patent-pending process to analyze your Willingness and Ability to take investment risk and then combines them into a simple and actionable risk benchmark which is customized for you.

Understanding your unique Risk Tolerance is an important step in preparing for your financial future.

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Investment Management: Guiding you past today’s headlines

The Otium 8 factor model of Investment Portfolio Management

COST EFFICIENCY

RISK TOLERANCE AND CAPACITY

GOALS BASED TIME HORIZON

TAX EFFICIENCY

GLOBAL DIVERSIFICATION

CURRENT LIFECYCLE

OBJECTIVES BASED INVESTMENT SELECTION

LONG TERM STRATEGIC MANAGEMENT

PORTFOLIO MANAGEMENT FEE

Regardless of your net worth, income level, or investable balance, we dedicate the same amount of
time, effort and expertise towards the management of your portfolio.

The fees stay the same as your balance grows

Flat Fee

No Minimums and No Limits
Discretionary
or Non-discretionary

$1050

QUARTERLY FEE

Services include

Personalized assessment of financial priorities, time horizon, attitude to risk, recommended asset allocation, and optimal tax structure
Create investment management strategies using low cost vehicles: (Vanguard funds, Dimensional funds)
Create and manage portfolio using Investment policy statement (IPS) outlining mutually agreed upon strategies + risk tolerance questionnaire
Integration with your financial plan
Portfolio rebalancing
Tax Loss harvesting (for taxable portfolios)
Monitor existing and potential investments
Annual Reviews

Questions we will help address

Which is better suited for me: Investment planning or investment management?
What is the difference between discretionary and non-discretionary portfolio management? Which one is right for me?
Who exactly will be managing my portfolio? And will I have access to the manager?
What type of investments will you place in my portfolio? Will you take my personal preferences into consideration?
Who will be the custodian of my investment management portfolio? Do I have a choice?
Will my portfolio get rebalanced periodically?
Will you be mindful of tax strategies while managing my portfolio?
Do I have access to my investment portfolio at all times?

Otium Awaits

If you're ready to start a conversation about your financial life, schedule a complimentary introductory meeting with us today!

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