What is a risk-based portfolio approach?

A risk-based portfolio approach builds your investment strategy around your personal risk tolerance rather than a generic model. We use asset allocation across different asset classes and rebalance the portfolio on a regular and tactical basis to keep it aligned with your goals and risk profile over time.

What is an income portfolio?

An income portfolio is designed for clients where generating consistent income is the primary objective rather than long-term growth. We offer three income portfolios calibrated to different levels of risk tolerance while keeping income generation at the center of the strategy.

What is tactical rebalancing?

Tactical rebalancing means we make adjustments to your portfolio allocation in response to meaningful changes in market conditions, not just on a fixed calendar schedule. It complements regular rebalancing by allowing us to take advantage of opportunities or manage risk when the market environment calls for it.

Which investment strategy is right for me?

The right strategy depends on your goals, timeline, and how much risk you can realistically handle. Clients focused on long-term growth tend to fit the risk-based portfolio approach. Clients in or near retirement who need reliable income often benefit more from one of our income portfolios. We start every investment conversation with a risk assessment to make sure the strategy we build actually fits your situation.

What is a risk-based portfolio approach?

A risk-based portfolio approach builds your investment strategy around your personal risk tolerance rather than a generic model. We use asset allocation across different asset classes and rebalance the portfolio on a regular and tactical basis to keep it aligned with your goals and risk profile over time.

What is an income portfolio?

An income portfolio is designed for clients where generating consistent income is the primary objective rather than long-term growth. We offer three income portfolios — Moderate Conservative, Moderate, and Moderate Growth — each calibrated to a different level of risk tolerance while keeping income generation at the center of the strategy.

What is tactical rebalancing?

Tactical rebalancing means we make adjustments to your portfolio allocation in response to meaningful changes in market conditions, not just on a fixed calendar schedule. It complements regular rebalancing by allowing us to take advantage of opportunities or manage risk when the market environment calls for it.

Which investment strategy is right for me?

The right strategy depends on your goals, timeline, and how much risk you can realistically handle. Clients focused on long-term growth tend to fit the risk-based portfolio approach. Clients in or near retirement who need reliable income often benefit more from one of our income portfolios. We start every investment conversation with a risk assessment to make sure the strategy we build actually fits your situation.

Investment Strategies

How we invest depends on what you need the money to do.

Not every portfolio should be built the same way. Some clients are focused on long-term growth. Others need their investments to generate reliable income right now. We use two core strategies, and we match you to the one that fits your situation, not the other way around.

Strategy One

Risk-Based Portfolio Approach

This strategy starts with a clear picture of how much risk you can actually handle, not just how much you think you can handle. We use that as the foundation for building a diversified portfolio across different asset classes, then manage it over time through regular and tactical rebalancing.

Regular rebalancing keeps your portfolio aligned with your target allocation as markets shift. Tactical rebalancing allows us to make adjustments when market conditions create meaningful opportunities or risks that warrant a closer look. The two work together to keep your portfolio disciplined without being rigid.

Built around your Risk Number

Your portfolio starts with a quantified measure of your risk tolerance, not a generic conservative, moderate, or aggressive label.

Diversified asset allocation

Exposure spread across asset classes in a way that reflects your goals and timeline, not just what the market is doing today.

Regular rebalancing

We systematically rebalance to keep your allocation on target as markets move and positions drift over time.

Tactical rebalancing

When market conditions call for it, we make adjustments beyond the regular schedule to manage risk or take advantage of opportunities.

This approach works well for clients who are in a growth phase, have a longer time horizon, or want a portfolio that stays coherent and intentional across all of their accounts.

Illustrative Asset Allocation by Risk Profile

Conservative

Moderate

Growth

Aggressive

Equities

Fixed Income

Alternatives

For illustrative purposes only. Actual allocations vary based on individual risk assessment and financial goals.

Strategy Two

Income Portfolios

For clients where generating income is the primary objective, we offer three income portfolios calibrated to different levels of risk tolerance. Each is designed to produce consistent income while managing downside risk, with the level of growth exposure increasing as you move across the three tiers.

These portfolios are particularly well suited for retirees and pre-retirees who need their investments to work as a reliable income source, not just a growth engine.

Risk Spectrum

Moderate
Conservative

Moderate

Moderate
Growth

Lower risk · Capital preservation Higher risk · Growth-oriented

Most conservative

Moderate Conservative

Prioritizes capital preservation and income stability. Carries the lowest risk profile of the three tiers. Best suited for clients who need dependable income and have a low tolerance for portfolio fluctuation.

Balanced

Moderate

Balances income generation with modest growth potential. A middle-ground approach for clients who want reliable income but can tolerate some movement in their portfolio value over time.

Most growth-oriented

Moderate Growth

Leans toward growth while maintaining income as the primary focus. For clients who want their portfolio to keep pace with inflation and can handle more variability in pursuit of that.

All three income portfolios carry investment risk and are not guaranteed. The right portfolio depends on your income needs, time horizon, and overall financial picture. We review these portfolios regularly and adjust them as your situation changes.

Explore related pages

Private Wealth Management

See how our investment approach fits into a broader private wealth strategy.

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Financial Planning

Investment management is one piece of a complete financial plan.

Learn more ›

Not sure which strategy fits you?

Start with your Risk Number. It takes five minutes and gives us a clear starting point for the conversation.

Take the Questionnaire

Ready to talk through your options?

We're happy to walk through both strategies and help you figure out what makes sense for your situation.

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Investing involves risk including the possible loss of principal. Past performance does not guarantee future results. The information on this page is for educational purposes only and does not constitute investment advice. Please consult with a financial advisor regarding your specific situation before making any investment decisions.